BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-22
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We purchased our home in XX/XX/XXXX. At the time I was an XXXX XXXX XXXX XXXX undergoing multiple deployments to XXXX and XXXX and my family was living on XXXX XXXX XXXX XXXX. The family was under a great deal of stress because our military quarters were directly on the landing approach for F-14s, which flew over the house at low altitude several times a day. 

Shortly after moving into our new home the home we discovered hidden termite damage that had to be repaired immediately. We took out a home equity loan from Ditech to pay for the work.

The contract was signed on signed in XX/XX/XXXX, for a 25 year loan at 13.89 % actuarial interest. The original loan amount was {$77000.00}, and my payments were {$950.00} a month. 

Along with my primary mortgage, my monthly payments total {$2700.00}. Although this has been crippling financially, I have paid that amount every month since, and have never missed a payment-. 

I have paid Ditech roughly {$140000.00} in this period, and my current loan balance is {$68000.00}. 

In XX/XX/XXXX the value of the home dropped, and with our combined mortgages I have owed more than the home is worth every since. When I checked in late XX/XX/XXXX, the estimated value of the home was roughly {$310000.00}. Since moving in, we had another child, and the home was too small for our family, but we had no real options to move out. 

It gets worse. 

Ditech approached me earlier this year and offered to loan me {$350000.00} to consolidate both of my mortgages at 4.125 % interest, which would lower our total payments to roughly {$2000.00}. 

We were within a week of closing when we discovered serious termite damage in the home, and realized that the termite inspection report provided by our pest control company was fraudulent. Knowing that this was illegal and unethical, I stopped the refi process while we determined the extent of the damage. 

Surprisingly, my Ditech loan processor encouraged me to continue with the loan, citing that no one would ever know about the report. Even after I explained that I planned to not occupy the home as my primary residence and would therefore not be eligible for a refi loan, Ditech encouraged me to close the loan. 

Through this experience I learned that Ditech has not only taken advantage of me and placed my family in serious financial hardship from the beginning, but they were willing to place me in legal jeopardy. Through this entire experience I have met my obligations and dutifully my payments, hoping that I would be able to pay this loan down enough to get out from under it. They make it difficult to navigate their website and find pertinent information, and they are predatory in their practices

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Experian Information Solutions Inc.
State: MA
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 recently paid off a settlement amount for a past due collection for {$360.00} on XX/XX/2018 to XXXX XXXX XXXX who is collecting on behalf of XXXX XXXX who was the original creditor. Credit Reporting Agencies need to delete this account now that it is paid and XXXX XXXX XXXX can confirm this to be true and they mentioned if they can they would delete my account off reports but that needs to be done by the Credit Reporting Agencies Immediately. 

THIS ACCOUNT IS NOW PAID AND NEEDS TO BE DELETED IMMEDIATELY off of ALL Credit Reports : Experian, XXXX and 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 2020-06-29
Company: EQUIFAX, INC.
State: MD
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 checked my XXXX credit score and it dropped 13 points for no reason. All my accounts are paid on time, I monitor my score monthly, and Im paying off items. My score should be increasing but instead it went down 13 points with no explanation or notification. Im currently in a class action suit against Dept. of ED and my accounts should be in forbearance but thats not reflected on XXXX report. They are destroying my credibility Ive sent them numerous of notices requesting the information be updated. Same thing happened with my Equifax credit score, instead they dropped me 70 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: Experian Information Solutions Inc.
State: CO
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 sent 3 letters in the past 3 months to all 3 Credit reporting agency 's. I get either no response or just printouts of my credit reports with no changes. I have proven my citizenship, personal identity and everything they have requested and still receive no response or change in my credit reports. I have old addresses, old jobs, tons of credit checks which were not authorized by myself, they still do nothing. A posted Bankruptcy, which the Federal GOv't does not give to the Credit UNions, which is actually illegal to be posted on my credit report saying the Bankruptcy COurt did it. This is just a started.

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 2019-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 did not recognize any of these inquiries and I never applied for these. I am requesting to remove all of these because it's a fraud. Somebody stole my personal 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 explanation
Consumer complaint received 2018-02-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our mortgage was sold to Carrington Mortgage services. They call at least once a week, but I have received calls just minutes apart. They keep calling asking me to refinance at a lower rate. I tell them every single time that I am not interested, to stop calling. They say they will add it in the notes of my account, yet the calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Nelnet, 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 status incorrect

Complaint:
My Federal Student Loan accounts have been reported by the Federal Student Loan Servicer as Account Status " Payment Deferred '', despite Section 3513 ( d ) of the H.R. 748 CARES Act requiring " During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. '' My loans have been in repayment for years. I have never missed a payment and always at least pay the minimum amount due every month. My credit score dropped significantly on XX/XX/2020 from XX/XX/2020 due to the remarks added to my Federal Student Loan account ( Account Status change to " Payment Deferred '' ). My Federal Student Loan accounts were reported in error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Resurgent Capital Services L.P.
State: MD
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:
The information reported to the credit monitoring company about my loan from XXXX XXXX XXXX XXXX is not accurate. LVNV funding LLC reported that I am owning {$24000.00} is very misleading. The account has been settled and the current creditor is Resurgent Capital services and the settled amount owed is now {$19000.00}. 
I have been paying my draft regarding this account every month as shown by the attached document. I have also started paying the amount owed XXXX as is shown by the attached document. 
In light of this, the derogatory information reported to the credit monitoring company regarding my credit history is false and misleading and I would appreciaite if this error is corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Automated Accounts Management Services
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2017 I received an alert that these items had been added to my credit report so I called XXXX  to find out what it was so they gave me the info. So I called AAMS to find out what it was about they told me they purchased a bill so now I owe them I informed them that this wasn't the right information and I need validation of the debt by mail they said they had mailed me the bill got returned each time. I never got anything so I disputed with all 3 credit bureaus first they said it was verified then I asked to see the method of verification with XXXX  a supervisor let me call on 3 way to the company but no matter what I do or how I do it XXXX will not remove it I had sent letters They said they are not going to investigate again I sent them the statement of procedures that was said done and cost of each and they updated it to a because they saw that all together it didn't equal the amount of the first charge they had 3 Mark 's against me so the made it 1 deleted 2 because it was added with the 1sti sent my first letter XXXX, sent my 2nd letter XX/XX/XXXX 3rd letter XX/XX/XXXX, my aught letter was when they told me they wasn't going to investigate it again

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Home Loan Center, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My concern is regarding secure private information. 
On XX/XX/XXXX this year I following an online ad regarding mortgage refinancing from XXXX. I filled in the online form which requested only my last 4 digits of my social security number. XXXX referred my inquiry to XXXX and a representative contacted me by phone shortly after. 
We discussed the options I have. I inquired about a certain loan that was attractive to me and I specifically requested not to run my credit score at this time because I wasn't ready. To my surprise, the rep replied that he had already done so while we were talking. 
I asked him how did he get my social security number and he replied that he received it from XXXX. I said that I only gave them the last 4 digits and he said that they have the technology to figure out my social security number. This statement trigged my suspicion that there is a broader issue of breach of information privacy at XXXX I am filling this complaint hoping that it will spark an investigation in online data security practices. Is there an exchange of unauthorized private data information online?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is the second time it has happened ... ..and it is every time I make a payment for both months ... 

Navient has again, wrongly applied my federal student Loan payments ; loan ID ; XXXX, XXXX and XXXX to an unknown loan ID XXXX, without authorization. I've asked Navient by email to correct the error of the payments for XX/XX/XXXX, and XX/XX/XXXX  and re-allocate the payment made to the unknown loan XXXX to the loans ID : XXXX, XXXX and XXXX for those months accordingly. Please find below details of the checks that were supposed to be applied to Loan ID : XXXX, XXXX and XXXX : Cashiers check # XXXX, payments for XX/XX/XXXX,  was supposed to be applied to loan ID : XXXX, XXXX and XXXX as described on the copy of the letter from Sallie Mae and written on the check, but was wrongly applied to unknown loan ID XXXX, on XX/XX/XXXX? Cashiers check # XXXX, payments for XX/XX/XXXX, was supposed to be applied to loan ID : XXXX, XXXX and XXXX as described on the letter from Sallie Mae and written on the check, but was wrongly applied to unknown loan ID XXXX, on XX/XX/XXXX? They've suddenly decided to divert my federal student loan payments to an unknown loan and charged me late fees for it??? 

I've included a copy of my past complaint ( ID XXXX ) and also the proof the checks i sent with instruction for which account and months!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-12
Company: WESTERN UNION COMPANY, THE
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/2020 {$1300.00} I went to receive money that my uncle XXXX XXXX sent me for my back payment on rent and the rent for the month of XXXX. I need this money today because my leasing company has been super patient and gave me a deadline to turn the money in. I need this funds to be released. I a full-time XXXX   XXXX and Im not from Texas so me getting removed from my residency and getting an eviction under my name is not a good thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
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: Information belongs to someone else

Complaint:
I applied for a credit card and was denied due to fraudulent accounts reported on my credit history! I would have never been aware of this unless I applied and I am shocked to have even seen such accounts and wonder what's the real process for this to have happened without my authorization or knowledge. I would like these accounts eliminated from my credit history before I seek legal action. I have no money nor time to waste on foolishness. I am irate and in disbelief that not once was this verified before being added to my credit report. Please remove these accounts as soon as possible so that I can build my credit.

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 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies ( Transunion, XXXX, and XXXX  ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 day. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is hinderance in applying for new credit, housing, etc.

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 2020-10-12
Company: BMW Financial Services NA, LLC
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:
In XX/XX/2020 I reach out to the creditor ( BMW Financial Services ) reporting incorrect credit report information to the three agencies The creditor failed to investigate and refused to remove the incurrent information in a letter date XX/XX/2020 ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Please remove the following fraudulent inquiries from my TransUnion credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I had XXXX  XXXX in XXXX of this year, and went back to work on light duty in XXXX and being on XXXX the paycheck was decreased but the loan was covered until XXXX. Due to bills being behind and I have not being able to work extra due to light duty, and just discovered another health issues that has also being hinder me from working extra since I am back on full duty since XX/XX/XXXX. I have talked to them they could not do another loan because I did one already, due to health issues earlier. They called my job 3 times, They are calling on Sundays. They are calling 3 to four times a day. When I try to explain they are just telling me what I need to do, I have spoken with a miss XXXX and she has left messages on my jobs and I have asked them not to call my job, I have stopped answering my phone, because they are aggressive and I have a XXXX XXXX and I am not allowing them to upset me. I do realize I owe this loan, but if they would be patience I can resume making payment next year XX/XX/XXXX. some dates are XX/XX/XXXX @ XXXX & XXXX XXXX XXXX, XX/XX/XXXX @ XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX XXXX XX/XX/XXXX @ XXXX, XXXX, XXXX @ XXXX this a just some of the times and you can clearly see XX/XX/XXXX and XXXX is the weekends

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2014 ( 4 yrs, 1 mo ) Amount {$1100.00} I contacted XXXX   multiple times to dispute and prove the debt wasn't mine with letters and a letter was sent back from 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 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Per, XXXX XXXX XXXXXXXX I am hereby demanding for action to be taken against this fraudulent account. Please see attached FTC report and verification that my identity has been compromised on the XXXX XXXX XXXX it is also important to note that this is not the first time that I have received this alert from XXXX XXXX Moreover, The XXXX XXXX XXXX is a fraudulent account. This account has been disputed numerous time & I have requested the verification method that was provided to the credit bureaus by the data furnisher to validate the account. Each time the account comes back as " verified '' yet I never received the proof as requested. As such Transunion has repeatedly failed to both validate/verify this account and remove it from my credit profile. 

Please delete per FCRA consumer rights as this a direct violation of the law. The credit bureaus MUST provide the consumer with the verification method use to validate the account- otherwise it must be deleted 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 2021-07-16
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please see attached FTC report and verification that my identity has been compromised on the XXXX XXXX XXXX it is also important to note that this is not the first time that I have received this alert from XXXX XXXX Moreover, The Discover Financial Services is a fraudulent account. This account has been disputed numerous time & I have requested the verification method that was provided to the credit bureaus by the data furnisher to validate the account. Each time the account comes back as " verified '' yet I never received the proof as requested. As such XXXX  has repeatedly failed to both validate/verify this account and remove it from my credit profile. 

Please delete per FCRA consumer rights as this a direct violation of the law. The credit bureaus MUST provide the consumer with the verification method use to validate the account- otherwise it must be deleted IMMEDIATELY. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief