BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-28
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, Green tree servicing offer a loan trial modification. I respectfully accepted the offer and made all trial payments on time. Sometime on XX/XX/XXXX, the servicer provided two sets of loan modification agreement, the contract was executed by me and was sent back to the servicing company as per their specification and/or instructions. I continued to make the monthly payments timely in accordance with the contract signed and the servicer received all monthly payments for the years to come. 

On XX/XX/XXXX, I received notice that the debt was transfer or sold to XXXX XXXX and that all payments must be made to the new company starting on XX/XX/XXXX. Pursuant to the notice of servicing i made the attempt to make the monthly payments to the new servicing company, however XXXX XXXX decline to accept our payments and stated that we green Tree Servicing never sent them copy of the loan modification agreement and therefore could not honor or process my payments. 

I contacted Green tree and demanded a copy of the executed agreement. According to Green tree servicing, a loan modification agreement was sent and was never executed. This statement is false, green tree had me executed two separate agreements and requested that i sent the original. Green tree Servicing made the promised to sent a copy of the agreement executed by them and never did. 

It is obvious that the servicer has engaged in deceptive and unlawful banking practices while in violation of the Department of Treasury HAMP program. Ones a loan modification agreement is executed and the servicer takes your payments for two years is clearly an indication that the account has been resolved. It took us by surprise that after servicer took our payments for two years to suddenly claim we never had an agreement whenthey sold the loan. 

XXXX XXXX has refuse to accept our payment and have defaulted the account on purpose thus no fault of our own.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
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: Personal information incorrect

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: NC
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:
There are several accounts on my credit report that are showing unpaid. I have tried and even sent evidence that these accounts are paid but Equifax has not updated my credit report. These accounts are : 1. XXXX XXXXXXXX 2 XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7. XXXX XXXXXXXX XXXX  XXXX 8. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
calls from them several times a day, everyday. i told them that i was in financial trouble and to stop the call and messages, that i would let them know if things changes.dates are from XX/XX/XXXX thru XX/XX/XXXX. one main financial at XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27
Company: CHECK INTO CASH INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Online predatory lending. 299.99 % APR for cash advances. {$400.00} credit limit. Also, this company ( XXXX XXXX XXXX d/b/a XXXX XXXX XXXX ) does not have a license to offer lines of credit in my state of residence ( Florida ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received credit score alerts from EXPERIAN. Recent score alerts sent on XX/XX/XXXX and again on XX/XX/XXXX (twice). For no reason at all my score dropped 28  points! This should be illegal! Nowhere in there section as to why scores would be negatively affected does anything apply. Literally every month my score changes and drops extremely from the current score for absolutely NO REASON!I do know that once CFPB gets a response from this agency that you close the case and that in itself is shameful as no matter what the agency says, nothing happens! YES, I am EXTREMELY upset as it has taken me a very long time to clear out my credit for things for the most part was not mine. Now, for NO REASON they lower my score considerably and with NO explanation! This needs to be stopped and stopped 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 2020-10-28
Company: EQUIFAX, INC.
State: TN
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 on XX/XX/XXXX about my Equifax Credit Report. The problem is that XXXX XXXX XXXX or Equifax is reporting the " Date Maj. Del 1st Rptd '' as XX/XX/XXXX and the " Date Closed '' field is not reported which is not correct. 

On page 2 of the TRUSTEE DEED, on XXXX XXXX XXXX XXXX XXXX  bidded {$85000.00}. The TRUSTEE XXXX XXXX XXXX, signed the trustee deed. Page 2 of the Trustee Deed says in quote " The property was struck off to XXXX XXXX XXXX for said amount, and said bidder was declared the owner thereof. '' XXXX XXXX XXXX OR Equifax need to correct the " Date Maj Del 1st Rptd '' field to XXXX of XXXX and correct the " Date Closed '' field. 

I've have attached Page 2 of the TRUSTEE DEED. Also is attached is the " Dispute Results '' from the XX/XX/XXXX dispute. See page 4 of the Dispute Results which shows the " Date Closed '' field is blank and the " Date Maj Del 1st Rptd '' field is XX/XX/XXXX. 

The " Date of 1st Delinquency '' is XX/XX/XXXX, The " Date of Last Payment '' field is XX/XX/XXXX which are correct. The " Date Opened '' is XX/XX/XXXX which is correct. 

On my most recent dispute, XXXX updated the following sections on my equifax credit report : ADDITIONAL INFORMATION, BALANCE, PAST DUE, HIGH CREDIT, SCHEDULED PAYMENT and ADDITIONAL INFORMATION : The ADDITIONAL INFORMATION SECTIONS has 180 days or more past due. I can not be 180 days or more past due if XXXX purchased the foreclosed property on XX/XX/XXXX. 

Foreclosure Real Estate Mortgage 180 Days or More Past Due

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Santander Consumer USA Holdings Inc.
State: MD
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 made my monthly payments for both XXXX and XXXX on time not to mention the payoff payment made in XXXX and the company reported the payment 30 then 60 days late then closed. There were fees tacked onto the end of the loan due to financial hardships which resulted in a repossession over 2 years prior but the loan company added these fees to the end of the loan and according to their website every time a payment was made, the minimum payment had been made on time. They took the payments made in both XXXX and in XXXX and dispersed the payment in different areas and then reported the payments late. Each month the payments were made for a total of what their site said was minimum ( as well as according to loan terms ) and they also never called inquiring why any payment was late which is their normal process when a payment is ever 2 weeks late or greater ( this comes from financial hardship experience ). So why are my payments which were made accordingly and in the amount of every payment prior being marked as late. This is extremely impacting my credit score which Ive worked very hard on for the past 2 years to improve and am now possibly not going to be able to purchase a home when I did what I was supposed to. Ive tried to talk to them, they continue to accuse me of making partial payments, they have stated they will request and audit but still refuse to correct this even though I have proof from my bank showing I made these payments in one full amount and their website even shows my payments were made on time and in the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: AR
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:
These companies has furnished my credit for so many years to a point XXXX cant buy a home, get a vehicle for me and my family, nor any loan. Which they violated my rights as a consumer

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 2019-03-27
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been XXXX  overseas for the past 8 years. I do come home to North Carolina from time to time .... however, I viewed my credit report a few months ago and noticed a collection account from a company called I C System??

I have written them advising them the account is not mine. I have not heard back from them and according to my relatives no mail what so ever was ever has been sent to my North Carolina address. And I have not been to the hospital in GA!!

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 2020-10-28
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:
XXXX, XXXX and Equifax have failed to respond to my disputes about accounts that are reporting on my credit report that does not belong. I WROTE THESE COMPANIES ON 3 DIFFERENT OCCASION. THEY ARE VIOLATING MY RIGHTS BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am disputing XXXX for a posted removal. i have the documents to prove they should be removed!

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 2022-10-27
Company: EQUIFAX, INC.
State: NY
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: American Financial Network Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
As pointed out in my response to the general, unspecific, inaccurate, and contradictory response by American Financial Network the company continues during interactions to not follow basic regulations and fundamentals for staying licensed and legally selling mortgages and lending. Today I had a 30 minute plus discussion with American Financial Network or subsidiary named XXXX ( XXXX and now XXXX ). The phone call was at XXXX XXXX. In the discussion I was told that there is no way that I would be given a bank statement for a payment due in XX/XX/2022. This contradicts the enclosed statement from American Financial Network and the proposal by implication. American Financial Network was mailed a payment that arrived on XX/XX/2022 - see enclosed tracking. The check has not been made and yet the bank gave me a deadline for making XXXX payment and getting on regular payments. I'm fine with that and they make promise in writing enclosed, but then as usual I am given contradictory information as happened by phone today.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company, LoanCare, has failed to pay my property taxes. I have called multiple times since last year. I was told on XXXX different occasions that the issue was resolved. Now there is a tax sale lien on my property. I have attached a letter I am sending them as a last resort that includes all the details.

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 2020-10-28
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: Was not notified of investigation status or results

Complaint:
XXXX, Transunion and XXXX have failed to respond to my disputes about accounts that are reporting on my credit report that does not belong. I WROTE THESE COMPANIES ON 3 DIFFERENT OCCASION. THEY ARE VIOLATING MY RIGHTS BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT

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 2023-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
XXXX has reported an inaccurate balance amount from Bank of America on your credit report for the month of XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
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:
On XXXX I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from TransUnion LLC. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018. On XX/XX/2018 I contacted TransUnion asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region

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 2019-01-17
Company: Bridgecrest Acceptance Corporation
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I refinanced my car with Bridgecrest through XXXX XXXX. Everything was fine and seamless. Out of nowhere, after accepting XXXX 's money, Bridgecrest is refusing to send XXXX the title for my XXXX XXXX XXXX. They are saying they don't want the payoff from XXXX. However, they already took the money. I have already worked with my new credit union and everything making payments.

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 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Others frauded my documents and to pull naming scams using XXXX herds of IDs and XXXX business permits and XXXX internet off my credit file and birth certificate Other pulled like frauding scams my credit files for XXXX plurized fraud scams fraud scams frauding my documents Others frauded my documents as mailing address Others frauded my documents as politican Others frauded my documents as police and sherrifs in many states Others frauded my documents as XXXX XXXX XXXX Other frauded my documents as bedroom products

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 2022-11-11
Company: Experian Information Solutions Inc.
State: ME
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 never opened this account. It was opened by somebody without my knowledge or consent. I work as a XXXX in the XXXX XXXX, and I learned about the fraud from a problem with my security clearance. Please remove and correct my history. This is a fraud account that does not belong to me. I am in jeopardy of losing my job and security clearance over this error in reporting. The account listed against me is : XXXX XXXX  account number XXXX  XXXX Date opened XX/XX/2015 This was not my account ever. Please remove it.

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 2023-04-27
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: Information belongs to someone else

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


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 explanation
Consumer complaint received 2022-05-02
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received a credit card in the mail ( from Elan Financial Services ) that I did not apply for. Also received a notice from XXXX that Elan had done a credit check.

Tried to contact Elan, using two different numbers, and was never able to get through.

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 2021-11-06
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
`1The company chime closed my account randomly. They have received a check from XXXX XXXX XXXX for XXXX ; XXXX XXXX usa dollars. I was in a hit and run accident and my claim denied so I canceled my XXXX XXXX and they sent the policy refund to the account that was closed now they are investigating as they think they made a mistake. I was supposed to get this check over a month ago and the account was closed when XXXX sent it to chime. Im supposed to get a check XXXX XXXX and now they said the check is lost again. I have medical bills and medications as Im federally XXXX and I was XXXX and had XXXX XXXX during this and I really need help getting my money. Ive sent over 50 emails every day asking for anything and they say the same thing over and over, they even call me by my email name and not my account name. Terrible,

Company response to consumer: Closed with explanation