BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-02
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I did not receive my Mortgage monthly billing statement in XXXX 2015 for the XXXX 2015 payment from Green Tree Servicing , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Harley Davidson Financial Services 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 status incorrect

Complaint:
I filed Chapter XXXX in XX/XX/XXXX, and HDFS was notified and accepted voluntary surrender. My bankruptcy discharge was on XX/XX/XXXX. Within a month, I started disputes with CRA 's to correct information on my reports. At no point in the term of my loan was it late and the loan was current at the time of filing. 
As of their latest update, they are now reporting payment history beyond my discharge date. 
My reports should be showing XXXX balance, closed, and the notation of included in bankruptcy. They continue to report inaccurate information stating late payments ( which the account was never late ), and now are adding information dated beyond the discharge, which is causing irreparable damage during this difficult rebuild. I would consider this retaliatory behavior or active collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: IN
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:
In accordance with the Fair Credit Reporting act XXXX  Account Bankruptcy XXXX XXXX US BKPT CT XXXX XXXXXXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had closed an account with Bank of America well over a year ago. Yes, this is after I was late on a payment but I need then to take the late payment off my credit report I paid them back. However its shows that I was closed and shows its still unpaid in bad standing!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: ECMC GROUP, INC.
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Back in 2007, I attended XXXX XXXX , XXXX ( XXXX University ) now called XXXX XXXX XXXX. I submitted a request to be withdrawn from attendance within the required time frame. The school had informed me that the loan would not take effect immediately, but would be disbursed in future semesters towards the end of my degree plan ; they withheld how the loan disbursement would actually take place. They never processed my withdrawal request, and instead kept me on their attendance records to they could collect on the loan disbursement, which they did. I have contacted the original loan servicer, XXXX, requesting to dispute the loan, and they referred me to ECMC, the current loan Servicer. After contacting ECMC to dispute the loan, they are refusing to acknowledge my documentation and complaints on the matter. They keep sending me back and forth to address the matter with XXXX XXXX for a record correction, even though the school keeps ignoring my inquiries, and the school is owned by ECMC, the present loan collector demanding I go to the school.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-17
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: Public record information inaccurate

Complaint:
Deploying digital " dark pattern '' of my information to get paid Solicitation of my personal information Civil liability USC 1692k

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 2016-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I went into a Bank Of America branch. I made a deposit via Atm, I also changed my pin at the atm. While finishing up I searched for my debit card and could not find it. I traced my steps and checked all my pockets. As soon as I noticed I could not find my card anywhere, I noticed bank of america customer service. When I called the customer service rep told me that I just withdrew XXXX dollars out my account via bank teller. This was a transaction that I never did. I filed a claim and contacted the bank that I just left. A bank teller stated that he thinks I was shoulder watched and that someone pick pocketed me at the atm. My claim was denied and a no one ever notified me from 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 explanation
Consumer complaint received 2016-10-27
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We are exhausted after several months try to work in a reasonable agreement with DITECH Mortgage ( former Greentree ) this company has been delaying, rejecting, postponing and unreasonable denied any chance to review our request for a loan modification initiated at the beginning of this year and submitted using all ways possible phone, fax, mail, email, servicer website, hope loan port, senator warner and more, and nothing, nothing happened besides DITECH letter stating that they will close my case for no documentation!!!!! 
My housing counselor was struggled and frustrated dealing with this company they are acting just as a collection agency with total disrespect for the good faith of client, consumers and same government. Please help me with my case

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NAVIENT SOLUTIONS LLC attempting to communicate with me without my consent about an alleged debt. I do not know NAVIENT SOLUTIONS LLC nor do I owe them anything. NAVIENT SOLUTIONS LLC are violating my federal protected rights and asking me to fill out discharge form when I dont owe them anything. Furthermore, I never gave NAVIENT SOLUTIONS LLC my consent to furnish an account in their records with my private information. This alleged debt theyre trying to accuse me of is not mine nor will I pay for it. NAVIENT SOLUTIONS LLC stated they will continue to violate me and keep causing severe damages against my consumer report. NAVIENT SOLUTIONS LLC believe they loan me, a consumer, something but that isnt the case. I do not know NAVIENT SOLUTIONS LLC. I am attaching a debt validation letter, Cease and desist, Affidavit of Truth w/ Exhibits, an invoice for the damages NAVIENT SOLUTIONS LLC caused, and an Identity Theft Report. I do not wish to do business with NAVIENT SOLUTIONS LLC nor allow my reputation to be ruined any further. Pursuant to 15 USC 1692k I am seeking monetary relief for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
i stop at XXXXXXXX XXXX my account is in hold all my funds are in hold by collection agency LVNV Funding LLC A/P/O a judgment date XXXX XX/XX/2008 original creditor XXXX south dakota XXXX, i have credit card a account with XXXX XXXX but im never late payments or any judgments im planing to buy a house i review my credit report every month tha particular account or judgment is not on my credit report on the 3 bureaus so how is possible my money its on hold

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2016-11-09
Company: WELLS FARGO & COMPANY
State: AK
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In 2006 I had an account with Wells Fargo in XXXX, My husband and I decided to move to XXXX. I waited until we had moved to XXXX to close the account because I used the debit card going through XXXX. When I got to XXXX, I closed the account the XXXX of 2006. At the time, there was an amount of {$36.00} which I withdrew Nearly two years ago, I recieved a call from Wells Fargo telling me that I owed them {$300.00} for this account that had monthly fees that had built up. I told them that I had closed the account. The paperwork ( over 7 years ago ) had been lost due to moving and a fire in our storage shed. I did not hear amything until today when my daughter in XXXX had a process server show up at her house looking for me! I called the number they gave her and a representative Now they are telling me that I owe them over {$800.00}! They said that I have to make a physical appearance if I decide to go to court and if I lose they will charge me over {$3000.00} for the attorney fees. They said they tried to serve me but they did not have my physical address to do so and could not physically serve me at the mailbox I use. I do not owe them anything and this is ridiculous! I would n't do business with these people for any amount of money and at the time of the closing of the account, I was tired of their fees and policies and customer service. Now they tell me that I owe them some huge amount of money for an account that I closed?? I am on XXXX and they are threatening to take my vehicle and attach my check when it is deposited. They are going to serve me again but I can not afford to pay this and I do not owe it. They are scamming to get money. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Twice in the past 6 months I have written a check to my mortgage company for a PRINCIPAL ONLY payment. My regular monthly payments are auto debited each month from my bank account. I have indicated this on both of the checks that the payment is for principal only. In both instances Ditech chose to apply the money toward future months ' interest without my permission. My intent was to pay down the principal balance and they continually apply it to interest, and some cases escrow, on their behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech allows mortgage consumers to make biweekly. I have for 7 months been making biweekly payments and they are NEVER applied correctly. The extra funds are not being applied to the principal as indicated on the biweekly application. Every month I get notices that I am behind because my payments are held in suspense. This month XXXX XXXX I get a call that my payment is 27 days past due. WHY? because once again the payment has been posted incorrectly. I have spoken to manager after manage and they cant get it right. I have been told that their system can not handle biweekly payments, SO WHY OFFER THEM THEN? I have been attached late fees almost every month. No one at the company can get it right. Enough is Enough. This company is a scam and incompetent. Every person that you speak to has no idea of ANYTHING!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have fraudulent accounts on my profile that need to be removed 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 2022-04-17
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have fraudulent accounts on my profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Experian credit reporting agency refuses to remove incorrect information on my report. Experian is also reporting the wrong Social security number on my credit profile, and reporting accounts attached to a SSN that is incorrect The following companies has violated my rights in accordance with FCRA U.S.C 1681 section 604 A section 2 states that a consumer reporting agency can not furnish and account or my personal information without my written or verbal instruction 1 ) XXXX XXXX ) XXXX XXXX 3 ) XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX 10 ) XXXX XXXX XXXXXXXX 11 ) XXXX XXXX  12 ) 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 non-monetary relief
Consumer complaint received 2022-04-17
Company: DISCOVER BANK
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied for, was approved and received a Discover XXXX XXXX credit card. After receipt I activated it and registered my online account. The card was fully usable at this time. Several days later I received an email stating that my identification needed to be validated through XXXX using IRS information and my account was temporarily suspended until the process was completed. 
I called Discover and was told this was a new procedure installed to prevent identity theft. 
This is very puzzling because as as soon as I received the card I could have literally spent the entire amount of the credit limit. How does this prevent identity theft? Should this not be completed BEFORE a card is physically issued? 
Honestly this is the most useless identity theft prevention I have ever heard of. I am waiting to obtain the verification then will most likely close the card unused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
n accordance with the Fair Credit Reporting act XXXX, XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-01-24
Company: Innovate Managed Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
A debt collection agency Innovate Loan Servcing ought my car loan. Never heard of the company until about XXXX weeks ago when they called asking for {$1400.00}. They said they sent a welcome letter which I did n't receive so I asked for the letter to be sent to my email. During that call on Monday XX/XX/2017 the representative XXXX verified the last XXXX of my social security number but failed to tell me they were debt collectors and it was an attempt to collect a debt. I asked for the welcome letter so I could see it then begin working with them. I heard nothing more from them but got XXXX calls yesterday on XX/XX/2017 back to back and one voicemail. Then another call this morning XX/XX/2017 at XXXX am.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-11
Company: ECMC GROUP, INC.
State: NY
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
EDUCATIONAL CREDIT MANAGEMENT CORP calls my cell phone and home phone multiple times a day. They call from multiple phone numbers. The last time I spoke with them, I provided my home address and told them I only wish to communicate by letter. 

This defaulted student loan debt is already in involuntary repayment through tax offset. 

I know that repayment options negotiated at this point will not stop the tax offset I want to stop the phone calls.

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 2016-09-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have told Chase numerous times that I do not wish to communicate with XXXX, I called to make sure a payment on another loan posted and then they asked me about the Chase loan, I had advised Chase that the due date does not work and not sure why it was changed. I advised them that last year, Chase changed it for me but this time they are claiming they ca n't, this is a problem and I told Chase that I have issues with XXXX because they do not know anything and will use scare tactics. I have also told XXXX numerous that I will not do any auto debit with them because I do not trust them but I keep getting offered it any way. I do not want any contact with XXXX at all, I hate dealing with me because it is a nightmare to get answers from them. They are similar complaints against from other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
JP Morgan Chase Bank sent us a letter stating they had refused us small loan ( {$20000.00} ) with high interests requesting a collateral on my residence valued at {$750000.00} instead of an investment property worth {$500000.00} located also in California, instead of issuing the letter of withdrawal we requested as we ( not Chase ) chose not to proceed with their offer. 
By doing so, they attempted to damage my credit score of XXXX in retaliation for refusing their terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: UBS BANK USA
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
1. UBS refuses to respect a duly executed power of attorney. 
2. UBS is unreponsive in processing an international estate liquidation. The process was initiated in XXXX 2016, and it remains unresolved to-date. Communication from UBS has been scarce and few. After several phone calls, voicemails, and emails, I am still unable to reach someone who is able to provide a meaningful status update of the account liquidation. UBS is maliciously delaying the process, and depriving the surviving account owner of much-needed funds.

Company response to consumer: Closed