BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-05
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a new complaint against Ditech Financial LLC, formerly Green Tree Servicing. 
Ditech is now harassing me by misappropriating funds and facilitating economic hardships. 
This complaint is about Ditech misappropriating an extorted payment under an illegal threat of foreclosure and asking for part of the same payment again once I paid it ; and Ditech reclassifying funds when only the borrower has that right to determine the classification of funds. 
1. On XXXX XXXX, XXXX, Ditech billed my {$3900.00}. On XXXX XXXX, XXXX I paid the total amount due. The statement Ditech dated XXXX/XXXX/XXXX ( received XXXX/XXXX/XXXX ) shows Ditech posted the total amount due on XXXX/XXXX/XXXX. 
The XXXX/XXXX/XXXX dated invoice shows Ditech misappropriated {$540.00} to funds in suspense. Then, Ditech fraudulently misrepresented that I had an outstanding balance of {$540.00} and asked me for the same {$540.00} that it misappropriated to funds in suspense with no authority to do so. 
This also had the effect deceptively changing the terms of my mortgage payment from {$1100.00} to {$1600.00} per month. 
Ditech did not have authority to place the {$540.00} in funds in suspense. {$540.00} was for late fees that Ditech is claiming from XXXX before Ditech took over the note. 
My note/security instrument deed of trust does not allow late fees to be held in funds in suspense. Ditech can only put partial payments of mortgage principal and interest in funds in suspense. There was no partial payment carried forward from the XXXX/XXXX/XXXX statement, but for Ditech 's misappropriating funds and fraudulent misrepresentation on the XXXX/XXXX/XXXX dated statement. I paid the total balance to cure the alleged default. 
It was fraudulent for Ditech to bill me a total amount due and then misappropriate the money to funds in suspense and ask me for the same amount of money. 
Additionally, the note only gives the borrower the right to designate how funds are classified, not the lender. 

2. Ditech also misappropriated {$72.00} from funds in suspense to the escrow account to harass me. Under my note/deed of trust, funds in suspense can only be use used for mortgage principal and interest, not the escrow account. My note allows Ditech to refund money. I have asked for Ditech to refund the {$72.00}. 

The statement dated XXXX/XXXX/XXXX shows Ditech applied the {$72.00} to the escrow account. The regular escrow payment is {$400.00} plus the {$72.00} equals {$470.00} escrow total. Ditech has since taking over the note provided interim statements. However, Ditech did not provide a statement for XXXX/XXXX/XXXX, which showed the escrow balance is a positive {$790.00}, and not ( {$460.00} ). Thus, returning the {$72.00} will not create an escrow shortfall.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: GA
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:
I began disputing inaccurate information on my credit report XX/XX/2022 with all three credit bureaus. I thought they were to only report what was accurate. I asked them to send me investigation information seeing that neither of them were reporting the same info. Nothing has changed and it's harming me financially. I can ask for monetary remedies, as they're violating my consumer rights.

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 2019-03-29
Company: EQUIFAX, 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:
I have worked with several credit repair agencies with the hope of having items reporting on my credit reports accurately to no avail. This has been ongoing for well over five years and has cost me thousands of dollars. The end results have been so-called accounts verified and one company has been out of business now for several years but yet the accounts have been verified through them. Furthermore, the student loans went into rehabilitation than consolidated under one lender and is currently in deferment. There remains duplicated accounts with origination dates of the dispute not when they were opened there are at least 15 accounts in all that is listed as individual loan amounts when in fact they are the same loans that are currently consolidated. The amount will total the XXXX that is currently owed which is close to the max that I can apply for the amounts varies from XXXX to XXXX but they remain uncorrected and has brought my score so far down that I have been placed into sub-prime bowering status with interest rates triple what they should be. I have worked very hard to get my score up and every time I attempt to get this matter resolved my score goes down and nothing has changed except for the origination date on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been fighting an ongoing battle to fix my credit reports and DDA reports due to previous and existing identity fraud. I also have been arrested and charged due to fraudulant actions committed by whomever stole my identity. These charges have been dropped and I am not convicted of anything. I have documentation of all processes and time frames. I have filed all legally required and proper reports and yet these companies and banks are still refusing to fix my credit and consumer reports and have banned me forever from using there products. The specific complaint I have for this company, XXXX, is that they default to side with these companies and banks no matter what, and there requirements for verified data from them is not acceptable. Regarding account XXXX  XXXX XXXX and XXXX they both fall under same category. I am more concerned with XXXX  XXXX XXXX as they are reporting that I am engaging in check fraud and was verified by the state of florida, which is false and considered libel and slander! Especially since all charges have been dropped. I asked chexsystems to fix this twice and they refuse. A police report is not legally required only required report is a law enforcement agency report and/or government agency report. This requirement has been fulfilled and they and other banks are refusing to accept this. The reason I can not aquire a police or sheriff report is due to the fact that I am not allowed to due to my original charges and they refuse to do so, According to my local law enforcement. I assume I can't go 3 counties over or go to Alabama to find any place station so that's why. I would contact fbi if I could but you and I both know they won't take a report from me. XXXX needs to be more loyal of consumers and there complaints than to companies. I want this fixed NOW!

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 2018-08-03
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have had this card for many years with absolutely no late payments. In reviewing my statement, I noticed that this company showed I was late and I immediately reached out to them and told them that it was an error on their end, however, it was to no avail because they refused to remove the late. This late payment that they are reporting has dropped my credit over 100 points. I have gone back and forth with the company and at this time, I've exhausted my efforts and felt it was time to just make a complaint against them and report them. I have never been late and demand that this error on their part be corrected.

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 2018-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hello Sir/Madam Good Morning I purchase a vehicle at XX/XX/2016 from XXXX. Last year it was crash and the payment was done this year. but when i go to check my credit score it shows XXXX owe me XXXX dollar so for this my score going to down for not pay but i ask XXXX is there due any payment? they tell me no!! everything is good because i already paid everything. 
so i dont know why it shows on my credit report negative and i can not fix it can you help me to out Just FYI i am a XXXX XXXX XXXX XXXX. 
so its very important for me please can you help me to out asap it will be highly appreciated thanks very much Have a wonderful weekend

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 2021-11-04
Company: Concentric Receivables Management, Ltd.
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 sent a debt validation letter to Concentric Receivables Management .I was sent copies of my personal health information and medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them ( Concentric Receivables Management ) ) to have this information.

I am attaching documents I sent Concentric Receivables Management and the documents I got in the mail today from them via certified mail # XXXX XXXX XXXX XXXX XXXX. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I went to a restaurant on XX/XX/XXXX and gave my Bank of America credit card to charge {$27.00} to pay my bill. The owner swiped the credit card but came back to say that it didn't work. So I paid by cash and left. I did not ask for a receipt because I didn't feel the need to keep the receipt. Later I saw the charge of {$27.00} on my credit card. The restaurant is not willing to refund. 

I disputed the transaction with Bank of America on XXXX asking for the a copy of my signature on the credit card bill, since I never signed it, which is required by law on any amount greater than {$25.00}. 

Instead of asking the vendor for the proof of my signature, BOA asked me for proof of alternate method of payment on XX/XX/XXXX. My case was closed on XXXX. After explaining that the burden of proof doesn't lie on me but on the vendor and the bank because I can not be charged for something I didn't sign, the bank representative and their supervisor said that they can not do anything. She said on record that Signature is not needed for any amount for credit card use. She said there is no other escalation/remediation process with Bank of America. 

I should not be liable for a charge I didn't sign. Unless the bank can provide me a copy of the credit card bill with my signature, they must cancel the transaction from my credit card and refund the amount. 

I have no other alternative left but to come to CFPB with a hope that Banks can not do what they want and break law without consequences. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
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: Personal information incorrect

Complaint:
To Whom It May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. My name is : XXXX XXXX Please delete any other variation. my current and only address is XXXX XXXX XXXX, XXXX, OH XXXX Please remove the following addresses XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2016-01-07
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Sent XXXX letters to all XXXX credit bureaus on validation of this debt nothing has been validated at this time sent letters to LVNV funding LLC on XXXX XXXX 2015 nothing has been validated at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: MRS BPO, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Calls come in asking if they can speak to a XXXX. There 's no XXXX here.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I disputed an inquiry that was falsely made by Capital One Auto Finance. This credit inquiry was made on XX/XX/XXXX and XX/XX/XXXX. I sent a letter to the creditor via certified mail on XX/XX/XXXX this letter was returned, I think their address was changed or they relocated, I tried a 2nd time by resending the same letter I previously sent on XX/XX/XXXX, this letter was sent on XX/XX/XXXX which was received on XX/XX/XXXX, this company did not respond to my letter. I did not authorize anyone employed by Capital One Auto Finance to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems posted an erroneous charge to all 3 credit bureaus, I contacted them and the rep I spoke with had no desire to rectify the situation. I contacted the business ( XXXX XXXX ) to get this removed from creditor and credit bureaus and no-one has returned my calls. I received a refund of my security deposit and left my lease in good standing, no property damage and was never a problem resident of that property when I lived there. They are dragging my credit through the mud and not trying to find the truth, they are only concerned with STEALING money from a single mother and Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Statement balance was {$320.00}. Paid thru refund at store of {$360.00}. Store clerk stated that no further payment due at the time. Next statement charged late fee of {$27.00}.

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 2018-08-03
Company: Prosper Marketplace, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Received solicitation from Prosper to lend money to me. When I called they informed me that no one could speak XXXX ( my first language ). They also said all documents were in English therefore they could not do business with me. My husband asked if he could talk on my behalf and they refused saying they could only talk to me in English. My Husband spoke to a manager named XXXX who gave us a ticket number of XXXX for your information and files on XX/XX/18 at aprox. XXXX XXXX  EST. 

My husband is of the opinion that this amounts to de facto lending discrimination against XXXX. He urged me to complain to the CFPB. This company is in Arizona and apparently they can not find XXXX   speaking people there ( even though there are a multitude of XXXX  living in that area ) to work for them who can conduct business with XXXX. Perhaps they also discriminate in hiring practices too considering the high percentage of XXXX  speaking people living in Arizona.

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 2019-09-06
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: Information belongs to someone else

Complaint:
With the help of Experian credit report agency, I submitted a dispute against XXXX XXXX and I received a notification that all the information is accurate and as a result none of the information on my credit score will be changed. Unfortunately, this account is fraudulent and was made with my consent. Someone with my personal information must of used my credentials to steal my identity.

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 2016-06-03
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Southwest Credit, LP purportedly acting on behalf of XXXX XXXX XXXX XXXX wants to collect a debt that I do not owe. All my bills for services provided to date by XXXX XXXX XXXX have been paid in full as shown in an attachment hereto. 

I have sent notices of dispute to both XXXX XXXX XXXX and to Southwest Credit, copies of which are attached hereto.

Company response to consumer: Closed
Consumer complaint received 2021-01-20
Company: MEDICAL BUSINESS CONSULTANTS, INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE AGE OF THE ACCOUNT IS 5 YEARS AND 10 MONTHS, FOR {$700.00} I HAVE BEEN TRYING TO DISPUTE THIS FOR YEARS, BUT NO LUCK

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: Pendrick Capital Partners Holding, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I resolved some medical debt with other creditors with the help of XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. I received notification that the debt was discharged and removed from the credit report and now I am receiving harassing phone calls from XXXX XXXX XXXX requesting payment of {$720.00} for account number XXXX and {$170.00} for account XXXX and XXXX XXXX XXXX XXXX for {$430.00} for account number XXXX. The original creditor with whom this was resolved is XXXX XXXX XXXX XXXX. 

I have advised both of these agencies these matters have been resolved and still they continue to call and harass me. I have requested that they send the validation of debt and they refuse to do this and say that they will not send more than what they have sent in the mail which does not state anything regarding any new debt and only lists debts which have already been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.

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 2017-09-15
Company: Experian Information Solutions Inc.
State: CA
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:
Was informed that my information was compromised due to the XXXX hacking and found fraudulent transactions on an existing credit card i suspect but cant prove may have been related. So i was trying to get my annual credit report that is intended to be used to get my credit report from all 3 credit burrows and found that i was not allowed access to any of my reports. XXXX & XXXX both stated after going though the verification that i was not going to be provided my credit report due to the XXXX hacking incident. XXXX did not even let me go though the verification and simply stated that their system is down with no other explanation. 

To say the least i am very upset that i am unable to get access to my information when i need it the most and was under the impressions that the credit companies are required to provide me with my credit report in a timely manner and they have been unable to do so.

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