BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-10
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
XXXX XXXX 2016 To Whom It May Concern : Thank you in advance for your time and guidance. My name is XXXX XXXX XXXX XXXX XXXX and I am currently stationed at XXXX XXXX, Georgia. For the last few months, I have made several attempts to rectify a matter concerning the unauthorized use of my signature to obtain a home equity loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$30000.00} while I was XXXX. Upon reviewing my credit report a few months ago, I discovered several items listed in the " collections '' category ; XXXX in particular being XXXX Home Equity Loan Line of Credit, a loan that I did not request nor sign. When I contacted XXXX, I was informed that my former spouse ( XXXX XXXX XXXX XXXX ) had obtained this loan to include signing my name without any proper authorization. Several calls were made to XXXX to resolve this matter during which I was informed that there was a Power of Attorney ( POA ) on file. However, XXXX was unable to produce the POA upon my request. Since this time, the noted defaulted loan has been placed in collections with Green Tree Servicing LLC. I contacted Ditech Financial LLC / Green Tree Servicing LLC to discuss this matter and was later instructed to execute a Quit Claim for the property associated with home equity loan. 
The Quit Claim action was processed in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida in and for XXXX XXXX, a copy of this document was provided to Ditech 's Financial LLC legal department whereas they have negated to remove me as a party in this matter. I am seeking this agency 's assistant with resolving this matter, as there was no legal documentation in place authorizing my former spouse to sign my signature on this loan. Several times I have attempted to speak with the leadership at XXXX concerning the alleged POA they have on file and each attempt has been met with a failed point of contact. Enclosed with this complaint are several supporting documents : XXXX XXXX Property Information, XXXX Borrower 's Promise to Pay Note with my unauthorized signature, XXXX XXXX Notice XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX for identity theft and XXXX credit report XXXX XXXX ). Again, thank you for your time and assistance, please feel free to contact the undersigned if any additional information is needed. 
Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Debt Recovery Solutions, LLC
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I used to have an account with XXXX Internet service in XX/XX/XXXX. Today, I was advised from a collection agency called Debt Recovery Solutions , LLC that I owe XXXX. I know I do not owe this amount, so I called XXXX directly on XX/XX/XXXX at XXXX XXXX EST, and spoke with a XXXX representative from XXXX ( after being transferred a few times ) who located my account by address, and he told me that I do not owe any amount. He said when the account was active, the account was always paid in full every month. I asked him, " what should I tell the collection agency? ", and he said that I should give them my account number and they should be able to see that I do n't owe any balance. Unfortunately, I did not get the XXXX rep 's name, thinking the account number would be sufficient but if their calls are recorded, then they should be able to locate that call to verify. 

So I then called Debt Recovery Solutions, and spoke with a XXXX, and explained to him that this is not a valid debt because XXXX had just reviewed my account information and told me that I do n't owe anything. XXXX said he would remove the collection from my report, if I got a confirmation number from XXXX. 

So then I called XXXX immediately after my call with XXXX from Debt Recovery Solutions. I spoke with XXXX from XXXX XXXX XXXX, who took a very long time trying to locate record of which I owe any amount. She did not find any amount that I owe to XXXX, she does not show that I owe anything, however she could not confirm or deny that I owe {$160.00}, and referred me to Debt Recovery Solutions to verify if the debt is true, but when calling Debt Recovery Solutions, they are aggressively attempting to collect this amount regardless if this amount is true or not. If XXXX saw that I do not owe anything, then why would she refer me to the collection agency to pay something that I do not owe?

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 2015-05-22
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
These debts are from XX/XX/XXXX or XX/XX/XXXX. Should n't they have fallen off my credit report by now?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-09-28
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
The XXXX XXXX dealership finance person using BB & T XXXX XXXX refused to show me the lender that was offering the auto loan and insisted that I use their preferred lender ( unclear who that was though ). I was only able to identify the source of the offering by reviewing my credit report later. I requested to see the offerings on the computer screen, and the individual insisted that I could not see my own information regarding the offering on the computer screen for my " privacy. '' Instead, she offered a handwritten post-it note and insisted that this was the only way to share the offering information with me. I shared that I felt uncomfortable with that and was surprised to see such a high interest rate ( more than double market averages ). Eventually, she relented and allowed me to see part of the screen. I requested to see the offering from XXXX XXXX XXXX, which she refused to show me, even though there is a hard inquiry on my credit account. She scrolled to the top left of the screen where XXXX branding was shown. It appeared to be a XXXX XXXX XXXX portal that had services from several different lenders. The center of the screen had several sections including specific lender information. The finance person refused to scroll to that section and show me who the specific lender was. Based on the facts surrounding this situation, I believe that the individual purposefully withheld information about lenders and rates, because I had caught them misleading and/or lying about the offering details. I offered to use financing that I had externally secured, and the finance person refused to proceed even after I made multiple requests to move forward with the financing that I requested. I refused to proceed without consumer financial information that I have a right to. However, I was never able to secure written confirmation of offerings, rates, or how many credit inquiries were run ( and with who ). Unfortunately, my credit score has gone down, and I have inquiries on my report without having received written offerings of any kind.

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 2021-09-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the following accounts : XXXX XXXX XXXX XXXX-Date Opened : XX/XX/ XXXX  XXXX XXXX XXXXXXXX XXXX XXXX-Date Opened XXXX XX/XX/ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Regional Management Corporation
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Not only do they continuously call all day every day, the manager gets an attitude with me saying " I would n't recommend you to my worst enemy '' and threatens to take legal action. He said he 's going to pull up my record and see how many verbal commitments I 've broken. I am XXXX pregnant and he was being so rude and really getting me shook up. My husband gets on the phone and he tells my husband that " its ok, my wife was psycho too when she was pregnant ''!! He mocked me like a child and Itold him that wwas n't very professional. Something needs to be done. He verbally attacked me, threatened me, and harrassed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was told at closing that my payments would be around XXXX. Then I was switched to Mr Cooper and they charged me for insurance that I already had. They charged XXXX the amount. Then my payments went from {$1300.00} to {$2800.00}. I have already depleted my savings. There seems to be mismanagement with the funds and escrow funds. I need help fast

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: World Acceptance Corporation
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
World Fin, WORLD FINANCE, WORLD FINANCE CORP. : This company has listed their company on all XXXX credit reports with the same amount multiple times. This debt has been resolved over 8 years ago in my chapter XXXX bankruptcy filing. I have called and complained to the company about removing their information off my credit reports several times and they have dont nothing about this. In fact what they have done is continue to report as if I still have an open line of credit with them as active and paid on time status. This is false. I have no active accounts with them nor I 'm I paying them. This debt was included in my bankruptcy years ago. I would like it if they can be removed it has been over 10 years and they are still reporting inaccurate and false information. This company prays on low class people who need money and they offer predatory lending and high inrest loans. The company has been extremly crafty by listing their company XXXX different ways on my credit filing. They are listed as : WORLD FIN on my XXXX and XXXX dated XX/XX/XXXX showing paid XXXX status as agreed, this is incorrect. This balance has been paid off XX/XX/XXXX. They are listed again as WORLD FINANCE showing paid XXXX as agreed on Experian report dated XX/XX/XXXX this is incorrect this was paid off XX/XX/XXXX included in chapter XXXX. They are listed again on my XXXX report as WORLD FINANCE CORP. showing paid XXXX as agreed. So as you can see they have multiple listings of the same debt listed under the same company name many different ways. Please have them remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: AUTOMOTIVE CREDIT CORPORATION
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Bought car in XXXX from AUTOMOTIVE CREDIT CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX. I filed chapter XXXX Bankruptcy in XXXX at United States Bankruptcy Court XXXX XXXX of Indiana which time this was discharged.My credit file with XXXX was updated in XXXX stating that {$30000.00} was past due with a balance of {$10000.00}. I have disputed this matter several times and keep getting a response of " validated '' .I offered to send a copy of my discharge papers only to be told " you have no public records '' Account Details Last Reported XXXX XXXX, XXXX Creditor Name AUTOMTV CRDT Account Type Automobile Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term XXXX Months Monthly Payment {$370.00} Responsibility Individual Balance {$10000.00} Highest Balance {$12000.00} Payment Status Unknown Worst Payment Status Unknown Date of Last Payment XXXX XXXX, XXXX Amount Past Due {$30000.00} Times XXXX/XXXX/XXXX Days Late XXXX Remarks -- Payment History No payment history has been reported by this creditor. 
Creditor Contact Details AUTOMOTIVE CREDIT CORP XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Direct Dispute You recently filed a dispute for this account. 
See the details here. 
XXXX Recommendations Find opportunities to refinance your auto loan. 
Look for ways to save on your auto insurance premiums.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: NY
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 read that Experian is guaranteed to fulfill the FCRA regulation section 605b but regardless of all my labors to notify Experian about the theft of my Individuality and that the items were never mine, Experian never feel a concern nor paid any care to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 non-monetary relief
Consumer complaint received 2022-11-21
Company: TD BANK US HOLDING COMPANY
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Td bank target keeps reporting inaccurate information on my credit for a debt that is not mine. I didnt receive any written notification about the debt. My credit file says its account number XXXX. 
When I try to call them I cant verify the personal information so they cant help me. Bottom line is its not my debt and they never provided debt validation per my request, therefore the debt must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Credit reporting agencies reluctancy to remove negative reports from my credit report, these items were paid in full, and yet the Equifax shows these items as charge-offs. I have attached supporting documentation as proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX BalancXXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; PXXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-11-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
I tried to pay my bill with Chase online and then on the phone. And they informed me that they only accept payment from a checking account routing number. I have not used checks in over 3 years and pay all my bills online with XXXX or by debit card. When I told them that they just kept repeating that they required a routing number. I 'm going back in time just to please their antiquated payment method. They must be the only company out there that does n't accept XXXX or debit cards. Can they do that?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Ditech Financial LLC
State: WY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently suffered the loss of XXXX my vehicles along with real estate damage due to a hail storm. I went in to purchase a new vehicle only to find out that my mortgage company ( Ditech ) is still reporting my mortgage in foreclosure despite having cleared the matter 3 months in advance. I was told that even as late as last month they are reporting it in default and foreclosure even though it 's current and has been kept current for 3 months. Little to say, I finally got a vehicle, but because of the continual dings on my credit from my mortgage company, I can no longer get an even half way favorable rate on a loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 non-monetary relief
Consumer complaint received 2016-09-07
Company: Choice Recovery, Inc.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have never been to this XXXX or been seen by any of the XXXX in this office - XXXX ' they refuse to present any documentation showing I have ever been to this XXXX office

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation