BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-31
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XXXX XXXX, XXXX, ditech has messed with my credit. At one point, Ditech took payments and applied them to escrow and therefore making me look late. I have payment history and monthly statements showing I made the payments. They do NOT CARE. On XXXX XXXX from Ditech advised that no notes were documented in my account that referred escrow payments or issues. I was behind now the month of XXXX. She advised that I was never late in XXXX and I told her " funny, you reported me to the credit bureaus 5 times! ". She said she had no documentation of that. Really? 

advised her that the additional personal notes and documentation I have shown that Ditech accidently put payment funds in escrow account instead of applying to my payment on or around XXXX/XXXX/XXXX and again XXXX/XXXX/XXXX ''. XXXX advised me there are lots of records that cant be found since XXXX merged with Ditech. Also, I will mention for documentation purposes, when this merge took place, Ditech was also was not going to honor my home modification through the original lender XXXX. In XXXX, this situation forced me to contact XXXX Nevada XXXX XXXX to have them step in and be sure my modification was accepted and understood that the terms of a loan modification agreement does not change. In XXXX XXXX I received around {$100.00} from the XXXX Ditech XXXX action lawsuit. My credit was also reported that I was delinquent on XXXX and XXXX of that year. 
Ditech has numerous consumer complaints. I am a consumer who makes her house payment and chooses to keep her home. They have caused me headaches and restless nights trying to prepare paperwork for issues in the past, or resolve issues with your customer service representatives who dont care about the customer. 

I ca n't get this issue resolved and I am running in circles. I am now taking this to every social media outlet possible and will also file any and all complaints against them. This is not professional NOR FAIR to us homeowners who make our payments. Ditech Financial should be out of business and taken in for fraud. I also have late charges. For what? I do n't know.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

XXXX XXXX bank XXXX XXXX XXXX I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Every year about the same time, Ocwen Loan Services states that the Escrow is short, and they missed a Tax payment on purpose, to have an excuse to collect more to pay the current and the late tax. 

During the past year, I have paid a Total of : {$3800.00} in Escrow taxes, all statements, and cancelled check are attached, on which {$1900.00} is for XX/XX/XXXXtaxed and the surplus is {$1800.00}, thats enough to pay the late taxes of {$1000.00} and even so, that will be a positive balance of {$850.00}. 

Ocwen makes their accountability so complicated that we dont understand and in that it makes that we keep owing Escrow payment for them. 

It is much easier if they sum all Escrows deductions and make submit 2 payments twice a year to the city of XXXX, but they have botched escrow accounts, but they keep it complicated so they can continue their wicked scheme and continue to make money on that. 

Following is what I just paid Ocwen and City of  XXXX in taxes. 

XX/XX/XXXX{$970.00} To the City of XXXX XX/XX/XXXX {$640.00} To Ocwen Concerning XX/XX/XXXXStatementXX/XX/XXXX {$640.00} To Ocwen Concerning XXXX StatementXX/XX/XXXX {$130.00} To Ocwen Concerning XXXX Statement XX/XX/XXXX {$130.00} To Ocwen Concerning XXXX Statement XX/XX/XXXX {$130.00} To Ocwen Concerning XX/XX/XXXXStatement XX/XX/XXXX {$130.00} To Ocwen Concerning XX/XX/XXXXStatementXX/XX/XXXX {$130.00} To Ocwen ConcerningXX/XX/XXXX StatementXX/XX/XXXX{$130.00} To Ocwen ConcerningXX/XX/XXXX StatementXX/XX/XXXX{$130.00} To Ocwen Concerning XXXX Statement XX/XX/XXXX {$130.00} To Ocwen Concerning XXXX Statement XXXX XXXX {$130.00} To Ocwen Concerning XXXX Statement XXXX XXXX {$130.00} To Ocwen Concerning XXXX Statement XXXX XXXX {$130.00} To Ocwen Concerning XXXX Statement XXXX XXXX, XXXX {$130.00} To Ocwen Concerning XXXX Statement Total : {$3800.00} They increased my mortgage in {$6900.00} by XXXX XXXX and will increase again in interest in XXXX XXXX, and they are trying to make it so difficult that I cant continue paying and start a foreclose on my property. 

I sent a request to Ocwen on XXXX XXXX, XXXX to cancel my escrow, and I wll pay my Taxes, in order to avoid their late fees, and Ill let you know, the outputs of the request. 

Id like to receive all payments that I have mad in excess in Escrow to XXXX, I have no idea how much, but maybe is over {$5000.00}. 

Im trying to find lawyers in U.S. that are representing another homeowners against Ocwen, so, they can sue them, for that, and also for the insecurity and hardships they bring to me and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I was scammed a few years ago by someone online. It really hurt me mentally and financially. I actually went into a heavy XXXX. I was scammed by someone online in a gift card scam. The XXXX XXXX credit card was used for this scam. I am unable to access the account anymore. The company should still have my data and be able to see all my purchases. They are gift cards that I would have never bought for myself or anyone else. I was fooled and scammed into buying them. I am admitting that I was the one who bought those cards, but they were not used by me. I was a puppet for that person. He tricked me into buying those cards for him and he redeemed all of them digitally. I think they were XXXX  cards. It's been a few years, so I don't remember which company gift cards and the exact dates I got them. The bank statements should show those purchases and I might also have some useful pics, but not a guarantee to find them. 

I tried to talk with the bankers and told them about what happened. They said they will investigate and get back to me on it. No one got back to me and it's been over a year now! 

This has been hurting my credit score every month for so long. It's stopping me from being approved for a lot of things because my credit barely goes up. 

I will really appreciate it if you guys can help me with this, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America has forced lender placed insurance and would not allow me to pay amount in full until my homeowners association resolved the matter. They were forcing me to pay an additional {$130.00} per month with out cause nor willing to adjust amount if the program was paid in full. There is a good reason why this firm is constantly being investigated by the US government. i have mortgages with 2 other companies and not once have I ever had an issue. Stay clear of using this bank for home mortgages as they are crooks.

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 2022-03-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I was scammed a few years ago by someone online. It really hurt me mentally and financially. I actually went into a heavy XXXX. I was scammed by someone online in a gift card scam. The XXXX XXXX credit card was used for this scam. I am unable to access the account anymore. The company should still have my data and be able to see all my purchases. They are gift cards that I would have never bought for myself or anyone else. I was fooled and scammed into buying them. I am admitting that I was the one who bought those cards, but they were not used by me. I was a puppet for that person. He tricked me into buying those cards for him and he redeemed all of them digitally. I think they were XXXX  cards. It's been a few years, so I don't remember which company gift cards and the exact dates I got them. The bank statements should show those purchases and I might also have some useful pics, but not a guarantee to find them. 

I tried to talk with the bankers and told them about what happened. They said they will investigate and get back to me on it. No one got back to me and it's been over a year now! 

This has been hurting my credit score every month for so long. It's stopping me from being approved for a lot of things because my credit barely goes up. 

I will really appreciate it if you guys can help me with this, please.

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 2022-03-12
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Emails from Synchrony Bank aka Sam 's Club credit card contain invisible trackers even in most service related communication. These spy trackers ( also known as XXXX XXXX XXXX XXXX ) are with domains like XXXX XXXX XXXX  xxx and invisible by design. Such trackers usually collect IP address, location, time of opening the emails, device type and operating system, forwarded email address. Being unconsented, these are examples of breaking receipts ' trust and AFAIK violations of all privacy laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have contacted TransUnion Credit Bureau more than 20 times via phone and certified mail in regards to unauthorized inquiries listed on my credit report. I have explained that I did NOT authorize certain inquiries and my credit report was pulled WITHOUT my permission. Credit inquiries are not any different from any other information listed on a credit report in regards to accurate reporting.This information must be verified. I did not authorize these inquiries and TransUnion has no proof that I authorized the inquiries therefore the agency should not have those inquiries listed on my report. 

I have also asked TransUnion to complete an investigation in regards to these unauthorized inquiries to determine who authorized the inquiry. However, my request was not granted. I was told inquiries are factual and can not be removed. 

According to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, consumers have the right to dispute any inaccurate information on their credit report. I have tried to dispute these unauthorized inquiries to have them REMOVED from my credit file. However, TransUnion refuses to remove the inquiries without doing the proper investigation and verification which is a violation of my consumer rights. 

I have also contacted each business directly asking for the remove the unauthorized inquiries. However, my requests were ignored. 

The inquiries that are unauthorized and should be removed are listed below : 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 XXXXXXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX above XXXX inquiries ONLY are UNAUTHORIZED.

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 2022-03-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A fraudulent transaction showed up on my Chase credit card. It was reported to Chase immediately. Chase closed XXXX investigation cases and has reapplied the fraudulent charge onto my card. Chase is forcing me to pay for the fraudulent transaction. XX/XX/XXXX : I logged into my Chase account and noticed a fraudulent charge of {$1000.00} to XXXX in XXXX XXXX, XXXX. I immediately notified the Chase fraud department. The credit card was in my possession the entire time. The Chase representative cancelled my credit card and issued me a new one. The charge was removed while Chase investigates. XX/XX/XXXX : Chase closed the investigation and reapplied the fraudulent charge. XX/XX/XXXX : I called Chase to reopen the case. Chase instructed me to file a police report. Police report filed. XX/XX/XXXX : Chase closes the investigation. Chase claims the transaction is valid and that I am responsible for paying the fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
So not only after I file a complaint with the credit bureaus about my information being incorrect. 
All of my credit scores drop below XXXX. For what reason I dont know. I cant even view reports and or call to talk to an agent. My phone is always send to the answering machine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: UMPQUA HOLDINGS CORPORATION
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Made a payment and the bank chose not to apply the payment to the mortgage.

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 2018-01-11
Company: Lendmark Financial Services
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Lendmark has repeatedly try to contact both my husband and I at work even after they were told not to, that they were jeopardizing our employment. They have been notified that we are working with a debt consolidation company to help resolve our debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian, XXXX and XXXX show Hard inquiries on my credit scores and Summary.

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 2022-03-12
Company: STATE BANK OF INDIA - NEW YORK BRANCH
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
For the past XXXX years, I have had XXXX  ( {$50000.00} ) XXXX  that matured every XXXX years. I have lived in the XXXX all this time. In XX/XX/XXXX, my records indicated that all XXXX XXXX would mature on XXXX. Since I was moving back to XXXX  in early XXXX, XXXX, I told the Bank that I wanted to meet with them personally to see what new options were available for a new XXXX year term. I told them that, when the XXXX mature on XXXX, roll the {$250000.00} over into a regular savings account, at your regular interest rate ... until such time as I can meet with them in XXXX. 
I have contacted then on : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, to confirm that my money is now in a savings acct. They have ignored all my contacts. I have no idea now where my money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Experian Information Solutions 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:
My father passed away XX/XX/2021. I was an authorized user on his XXXX  XXXX XXXX XXXX card. I notified XXXX XXXXXXXX XXXX the same day that he passed. They inturn closed the account. Since that time XXXX  XXXX XXXX has reported a delinquency on my credit report for that card. I contacted XXXX XXXX XXXX XXXX division and they advised me that since I was immediately removed from the account that I could not access any information but that nothing should be reported on my credit and assured me it would be removed. Today I received a letter from XXXX XXXX XXXX that the information they reported was correct and would not be making any changes and they closed my dispute. Upon contacting them they said since I was not the account holder or executor they would not give me any information. 

My credit is very important to me and I maintain a clean record but now I have a delinquent account that I was removed from and XXXX  XXXX XXXX refuses to resolve the issue with me or give me any information.

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 2021-10-26
Company: EQUIFAX, INC.
State: PA
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:
My dispute process began in XX/XX/2021. Upon reviewing my credit report I found a tremendous amount of errors. I immediately gathered all of my credit reports from XXXX, Equifax, and XXXX. None of the accounts had consistent information such as personal information, date of last activity, and reporting payment history after the accounts were charged off. I did not want to appear frivolous, so I tackled a few at a time however ; with such hard time they were giving me, I could not handle the rest of the errors. 
My accounts has been under investigation now for 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have gotten my free credit report and for the last many years I have an address that does not belong to me and it is :XXXX XXXX XXXX XXXX XXXX, FL XXXX .... I have never lived there and I requested this removed from my credit report twice before to no avail and I need it off my records. 

My current employer is not on my records which is : XXXX XXXX XXXX XXXX XXXX XXXX and began employment XX/XX/XXXX and currently employed. 

I currently have a {$5000.00} personal loan with XXXX XXXX XXXX XXXX XXXX and paying it timely but the one that I had for {$2000.00} before this one was paid in full and satisfied and it does n't reflect that. 

I also had a satisfied closed account with XXXX back in XX/XX/XXXX I also have never in my life had any mortgage anywhere in the united states and I have only financed one car in my life and only in Florida I have seen multiple car loans and mortgages in different states. I have never lived in any other state.

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 2022-03-12
Company: Westlake Services, LLC
State: CT
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:
On or about XX/XX/2017, I paid the total amount owed in full and was promised the account would soon close. XXXX  XXXX  is reporting a false amount and still has the account open

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 2022-02-16
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Cashapp sent a unauthorized amount of XXXX to another person. I have disputed this with flcashapp and asked why the money was deducted but it is not popping up in my transaction history. I filed a dispute with XXXX also and my claim was denied but not much info was given on why. Attached is a letter for the claim on decision

Company response to consumer: Closed with explanation