BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-12
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Again I am writing concerning my request for correction of the error described below in regards to the mortgage on my property. After years of dealing with Ditech refusing to accept I had paid the sums to bring the mortgage balance current. On XX/XX/XXXX I paid with certified funds in the requested amount of {$410.00}. Ditech scan the check into their file and destroyed the check, they never processed it. I had to cancel the check, pay a XXXX fee and both parties had to sign an affidavit stating the check was destroyed by Ditech. During this process Ditech 's director of collections agreed that Ditech will. 
1. Refund the XXXX that was paid to cancel the official check 2. Remove the late credit reports. 
Once I received the sign affidavit from Ditech, I returned docs to my bank for processing. I called Ditech 's representative who process the payment and sent over the confirmation by email, confirmation number XXXX to bring the loan current. On XX/XX/XXXX, I received an email notification from my credit monitoring service stating Ditech has reported me again as past due. 
I have reach out to, Ditech Director of Collections and he has not return my call. One representative contacted him on instant message ; he stated : I will call him in 30 minutes, that was XX/XX/XXXX I want the two items above resolve as stated, and put in writing, not verbal over the phone. 
The last time Green tree stated I was current but never put it in writing, now again Im still dealing with this from Ditech

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX two charges in the amounts of {$31.00} each were fraudulently made to my Bank of America checking account through use of my debit card number. The company was XXXX  that processed those charges. I immediately called BofA and they credited back the two charges and opened investigations. On XX/XX/XXXX, I received a letter from BofA saying that XXXX, their investigative service, had closed the claim and determined that I HAD made the charges. They determined this because the person had my email address and mailing address and those " matched ''. Also, they claim a similar charge was made two years ago that I never called out as fraud - that charge doesn't exist - I've looked. Never mind that the person used a name that wasn't mine and a phone number that isn't mine either. 

As of XX/XX/XXXX, I've now talked to 7 people at BofA Claims, each of whom has promised me different things and given me different information as to what I need to do to re-open the claim. As of today, the bank also took the money out of my account again after promising me that they extended it to look into the matter until XX/XX/XXXX. I was told to fax a letter to re-open the claim, which I did two days ago, along with the paperwork from XXXX. NO ONE at BofA told me to put the claim number and other info on top of every single page. So now their telling me they can't do anything until I do that again. 

I have been with BofA for 30 years and am pulling my money out ASAP. They support fraud against their customers and so is XXXX, the company they use for investigations. I will never do business with Bank of America.

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 2020-02-05
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
There was a problem with the closing on our refinance mortgage from Quicken Loans. We were set to close in XXXX -- we received the closing documents from Quicken Loans -- and we had the closing documents notarized on the appointed day by the notary and they were given to the title company. 

After that, we waited about 3 weeks but the lender did not reply to us. Finally I got some kind of e-mail from the title company saying the loan had been rescinded and I contacted the lender, Quicken Loans to find out what was going on.. 

Initially it was very hard to get anyone to help us and explain why this happened and how to fix the situation since each department is very specialized and each department in turn told us they didn't deal with a loan that had been interrupted or rejected. 

Finally the post closing department at Quicken Loans told us by phone and e-mail that our loan had been stopped because the paperwork ( which was done by Quicken Loans itself and which they gave to us to sign by the notary during the closing ) was done incorrectly -- that is to say the figures were calculated incorrectly. In addition, we saw the dates were wrong. 

They said that the whole loan would have to be re-done and it had been sent back to the underwriters. They didn't know how long it would take and there was no way for us to communicate with the underwriters because they don't have any contact with the public. 

So, we waited a month or so, and then Quicken Loans finally got back to us in XXXX and said the loan was now re-written and could go forward but that we needed to have a new appraisal for the house and a new notarization. 

However, this time the appraisal didn't go through. The problem was that we were converting our garage to an XXXX and the construction was in progress. The appraiser said that we needed to have an open garage space to pass the inspection, so we tore down whatever walls we had built internally in order to satisfy the appraiser. She came again and said that we needed to show that a car could drive into the space, so we tore down the wall over the garage door and took off the garage doors. Next she came and told us that the yet to be installed electrical wires that were hanging down from the ceiling for the construction needed to be removed because they were considered a safety hazard. We also had those removed. 

At this point we are awaiting another visit from the appraiser. We hope it will pass this time. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Kashia Services
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2020 someone tried getting a personal loan using my personal info with my knowledge or consent. I tried calling XXXX   to help fix this but to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$1000.00} USDEPTED XXXX {$3500.00} XXXX XXXX {$4200.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} DEPTEDXXXX   XXXX {$1200.00} XXXX XXXX XXXX   XXXX {$33000.00} XXXX XXXX   XXXX {$430.00} XXXX XXXX XXXX XXXX {$610.00} DPT ED XXXX XXXX {$180000.00} DEPTED XXXX XXXX {$2500.00} XXXX XXXX XXXX {$11000.00} USDEPED XXXX {$2500.00} XXXX XXXX XXXX {$12000.00} DEPTED XXXX XXXX {$9400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fraudulent account XXXX XXXX XXXX XXXX XXXX Date XX/XX/2017

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 2019-05-14
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I lived on-site at XXXX apartments where I worked as a leasing agent for the apartment community and was fired for reasons due to my job performance. XXXX was the Management company. They requested that I vacate my home within 7 days following the end of my employment in XX/XX/2016. 
They initially charged me for the remainder of my lease term, which isnt legal. I contacted the regional manager, assistant manager and property manager via email explaining to them that I vacated the home and they could no longer charge me for rent especially if the home was leased. 
I was asked to move and vacate the home after being fired but they still charged me for rent. 
The collection company handling the account is IQ Data International. Ive called them and wrote them letters several times requesting any and all paperwork that they have on file to prove that this debt is valid and the only thing theyve sent me is a ledger with incorrect amounts from the Management team I previously worked for. 
The property management company had my address, email and phone number on file due to me being a past employee. But they failed to send me a move out statement showing the balance owed to my address on file, they immediately forwarded my file over to collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the information that I requested from Portfolio Recovery! 

CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. cc Federal Trade Commission I have not received non of the information I requested. 

I did not receive this information!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: EQUIFAX, INC.
State: MN
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 sent identity theft letter along with documentation on XX/XX/XXXX to start the fraud investigation. Everything got deleted from my account except 1 thing and thats with XXXX XXXX XXXX and they response was to call them. This dispute process was not handled correctly. If i provided documentation, why are they asking for more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and a couple of inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$70.00} XXXX XXXX {$4800.00}

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 2018-08-24
Company: Accelerated Financial Solutions, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this entry on my account with XXXX  bureaus as well as with Accelerated Financial. Accelerated Financial placed this erroneous, inaccurate entry on my credit report without providing a dunning letter or any sufficient documentation that would have informed of their intent to collect this alleged debt. The response I received from the bureau stated the account entry was verified ; however, I immediately sent Accelerated Financial ( see attached letter ). Accelerated Financial did not pick up the letter ( see attached letter ) that was returned to me undeliverable although the address I sent was the address listed on my credit report. How then was XXXX able to verify that the information was verified? 

By not providing the dunning letter as required by law and not picking up the dispute that was sent, Accelerated is in violation of my consumer rights. In my letter that I provided to dispute the validity of their account entry I specifically requested : *An agreement that states their authority to collect on this alleged debt *Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor *Alleged account number *Date this alleged debt became payable *Original delinquency date *Verification that this debt was assigned or sold to collector *Complete accounting of alleged debt *Name and address of the bonding agent for collection agency in case legal action becomes necessary No correspondence was provided. This entry should be DELETED immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I called customer service about trying to get some late payments off my credit report from last year due to COVID and my wife not working at that time. The lady one the phone was very nice but she could not see anything on my account past the last 6 months and that my account is now current. I was advised to contact the Capital One 's executive resolutions department, I sent them emails with no response. The dates that Im trying to remove are from XXXX XXXX XXXX which were during the pandemic. My account is now current and those late payments are effecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20
Company: EQUIFAX, 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:
I wanted to cosign a vehicle for my daughter and I was told by the salesman that my credit was terrible and that I was not eligible. I asked him what was the reason behind that and he refused to give me that information. I went home and pulled my credit to myself to see what was happening. I found many unknown fraudulent items being opened under my name, social security number and address. This is very unacceptable and I need these items to please get removed fro my credit report. 

XXXX SELF-REPORTED XXXX {$90.00} XXXX SELF-REPORTED XXXX {$100.00} XXXX XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$190.00} XXXX  XXXX XXXX {$380.00} XXXX XXXX {$770.00} XXXX XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and a couple of inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$70.00} XXXX  XXXX {$4800.00}

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 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Transunion, XX/XX/XXXXand XX/XX/XXXXhas been reporting inquiries on my credit reports that I did not authorize. 
On XX/XX/2020 I applied for financing at XXXX 's XXXX in XXXX, NJ. I urged their sales team to only apply for financing at XXXX XXXX, I found out later it was more than three banks. Here are the ones not authorized : XXXX  - XXXX XXXX XXXX - XXXX. XXXX XXXX 's XXXX - XXXX XXXX XXXX  - XXXX The other inquiries on my reports I do not recognize and are otherwise fraudulent : XXXX XXXX - XXXX and XX/XX/2020 XXXX/XX/XX/XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XX/XX/2020 AND XX/XX/2020 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 2020-02-20
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Amsher Collection Services sent me a bill 5 days after receiving my final bill from XXXX. They placed this collection account in all 3 credit reports with a balance of XXXX due immediately on XX/XX/XXXX. Which my final bill from XXXX is XXXX and was not due until XX/XX/XXXX. They will not remove this inaccurate information from my credit file. And I do not understand how they can have a collection due prior to my XXXX bill being due. And this company is reporting false amounts due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear, Im XXXX  years XXXX, i had wireless services 5 phones with XXXX, due to bad ( no reception at home ) reception and filing complaints with FCC, i had to terminate my services with XXXX, on XX/XX/XXXX i got a call from Mr XXXX  ( Sunrise collection ) that i owed XXXX  {$1800.00} i told no i only owe only {$1400.00} because it was promotion XXXX   had buy one and get one free and on XX/XX/XXXX two days prior to my termination if I pay the remaining balance on buy one get one {$370.00} ( copy of XXXX XXXX ) i will only owe {$1400.00} so XXXX  asked to pay ( $ XXXX+ {$7.00} ) {$1400.00} and write Dispute letter disputing {$370.00} my account shows paid in full, I paid {$1400.00} and emailed my dispute email to XXXX on XX/XX/XXXX and kept my agreement with sunrise collection and they must keep theirs and ask XXXX XXXX XXXX to credit {$370.00} if not please return my {$1400.00} and i will take my chances with small claim for full of {$4300.00} that XXXX XXXX XXXX didnt provide services and I will file complaints with CFPB against Sunrise credits service for using Bait and Switch technique to take my payment and not delivering their obligation.on XX/XX/XXXX I called sunrise collection I was ask to file dispute again with copy of my statement to show {$370.00} and we settled the account Attached is the receipt It shows that on XX/XX/XXXX two days prior to cancel my services with XXXX XXXX XXXX i was asked by XXXX XXXX XXXX representatives if I pay {$370.00} I will get other phone free according to promotions on XX/XX/XXXX by one get second free and I did.

On XX/XX/XXXX got call from XXXX ( Collections agency ) that I owe XXXX XXXX XXXX  {$370.00}, I did explained the situations but they asked to call sunrise collections agency and to remove {$370.00} so I did but dont rememberd any email nor disputed email, this is unethical and fraudulent we had an agreement i didnt have to pay {$1400.00} because XXXX  will agrees if not i will go to small claim and settle my dispute instead of pay collection agency.

Attached are four photocopies the last two are the emails I sent to sunrise collections on XX/XX/XXXX and 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 2019-01-23
Company: Conn's, 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 information incorrect

Complaint:
I sent a letter to Conn Credit Corp requesting that they validate Not verify a debt that they are reporting to the three credit bureaus. I specifically asked for a signed agreement and other supporting documentation. They provided me with no documentation to prove that I am obligated to pay them anything only a ledger. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with explanation