BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-05
Company: Ditech Financial LLC
State: ME
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX. Greentree Lending/XXXX XXXX XXXX XXXX are currently forclosing on my mortgage. 
Before I had this lender I was with XXXX XXXX XXXX for 2 years. With the help of EHLP I paid my mortgage on time every month for 2 years. 
XXXX 2015 : End of EHLP assistance. I contacted XXXX XXXX XXXX to apply for a making home affordable modification. I sent in required documents and waited. 
XXXX 2015 : I received a letter from XXXX that they sold my loan to Greentree and that Greentree would be picking up where they left off with my modification. 
XXXX 2015 - XXXX 2015 : I heard nothing. Not a bill, no follow up on my modification, nothing. 
XXXX 2015 : I received a bill for XXXX to XXXX mortgage payments from greentree. I notified Greentree that they were supposed to be working on a modification for me and they told me they had no record of it so I applied for another through them. 
XXXX 2015 - roughly XXXX 2015 : I received a request for additional paperwork. I mailed in the additional paperwork and no word. 
XXXX 2015 : I received a letter saying they did not get paperwork they requested so I was denied a modification. I notified them I wanted to re-file. 
XXXX 2015 : Greentree lending Began the process of foreclosing on my home. Went to a mediation and got the assistance of a housing counselor. Applied with her help for another modification. Surprise! This time they gave me an offer for a mod however I was not able to get a XXXX XXXX because now I owed too much of a back bill to qualify for the hamp XXXX XXXX a month payment. They offered me a hamp XXXX mod for XXXX per month which is XXXX whole dollars less than what I can pay now. I appealed without the help of my counselor. They responded after my 30 day trial with a denial letter. 
XXXX 2015 : Went to another mediation without my housing counselor. I told them I could not afford XXXX per month and they refused to negotiate with me further to help me save my home. They stressed a quick sale.About XXXX weeks later I received foreclosure paperwork in the mail. 

If Greentree had n't dropped the bomb to begin with on my original request for modification I never would have been denied a hamp XXXX modification! I feel like they are trying to forclose on me and make a quick dollar. I have XXXX kids XXXX dogs and XXXX cats. Where are we supposed to do. They wont even negotiate and it was n't my fault they never picked up the paperwork from XXXX XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection account from Meade and Associates was for a medical bill to XXXX, XXXX Hospital which I paid directly to the hospital.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 am on Social Security. Every year Congress determines if we get a raise. I have had 2 or more Social Security raises/increases since the last reported Social Security income on all three Credit Bureaus. All Credit Bureaus know this happens annually and knows the amount of income you have can have a very positive impact on your credit reports yet they not only fail and refuse to update the information automatically, they provide NO WAY for the consumer to accomplish this important task themselves. I have tried on numerous occasions to no avail. I have even tried to have the sub-contracted lender do it for me and they thought they could but can not. I just want my credit reports to reflect the truth and have no way to do this. Please help. 

Additionally, Transunion and XXXX both report my mortgage as if it was some sort of private loan and not my monthly mortgage payment. XXXX does show it properly as my mortgage payment?

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 2022-04-22
Company: EQUIFAX, INC.
State: OK
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 am on Social Security. Every year Congress determines if we get a raise. I have had 2 or more Social Security raises/increases since the last reported Social Security income on all three Credit Bureaus. All Credit Bureaus know this happens annually and knows the amount of income you have can have a very positive impact on your credit reports yet they not only fail and refuse to update the information automatically, they provide NO WAY for the consumer to accomplish this important task themselves. I have tried on numerous occasions to no avail. I have even tried to have the sub-contracted lender do it for me and they thought they could but can not. I just want my credit reports to reflect the truth and have no way to do this. Please help. 

Additionally, XXXX and Equjifax both report my mortgage as if it was some sort of private loan and not my monthly mortgage payment. XXXX does show it properly as my mortgage payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX 2016 my checking account with Santander Bank had a XXXX cent deposit from XXXX. A few days later, XXXX withdrew {$38.00} from my account using a fraudulent draft check. I went to the bank and filed a complaint and signed an affadavit. After repeated calls to customer service I was told to go back to the bank and file an adjustment claim, which I did. Now it is XXXX and I still have not had the money put back in my account.

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
Consumer complaint received 2017-02-02
Company: General Motors Financial Company, Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had an auto loan with GM Financial. I refinanced and it was paid off. It is showing as negative on my credit report, fine, but that was over 7 years ago. It has aged out and XXXX/XXXX/XXXX will not remove it from my credit report. They claim that they contacted GM Financial and its per FCRA regs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been applying for Mortgage Loan modification on my property since last year without any positive response and has been turned down XXXX times without giving any reason. My property or Loan number is XXXX I have been behind and struggle to catch up with my mortgage payment since the middle of last year due to medical reasons that has affected the family finances coupled with medical bill incurred during my son 's having a procedure on a XXXX XXXX at his school playing ground last year. 
The loan modification application was completed and all the necessary documents including the medical bills were sent to them. I have not even been able to pay the medical bills due to lack fund and some of them have gone to collection. My wife has exhausted her XXXX at her job in the payment of the mortgage with the statement sent to PennyMac. 
My wife and myself are both presently in school and work to ensure better financial status and we are not making enough to meet the family financial needs. 
The major reason for PennyMac denial is that the family is not making enough money compare to what is going out hence the modification is denied which is the reason for asking for modification and I think should be a reason why the modification should approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I recently closed a HELOC because I sold the secured property. Since the loan was less than three years old I had to pay XXXX and XXXX recording taxes. However, I was also charged the lender 's portion of this tax mounting to 0.25 % ( XXXX basis points ) of the loan principal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: BTH Management
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I took out a loan with XXXX XXXX for {$1000.00} XX/XX/2016. I became delinquent on the loan. I recently pulled a credit report and found that I had a collection account reported on my credit file from Plaza Services. I never received any communication from Plaza Services that the debt was being handled by them not any information on how the amount got to {$1700.00}. I contacted Plaza Services who advised that they sent a notice XX/XX/2016. I advised them that I never received any communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-12
Company: World Acceptance Corporation
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Im XXXX and i can no longer pay the loan at this time. I have told the loan company this and yet they still call my fiance, go to my work place and even call my mothers boyfriends workplace where i occasionally work to fill in for some one daily. It is harrasing me that they continue to call and show up at his work place and even call my fiance while he is at work trying to get him to pay the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: BTH Management
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
So.. Yes.. I accept that I did owe a certain sum of money that dates from probably about 2 years ago and Now turned in for collection.. I did n't have a opportunity to settle this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: SC
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:
submitted request to validate accounts and nothing was received in the 30 days time frame nor was I contacted that it would take longer. This includes Equifax, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: EQUIFAX, 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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX ( XXXX ) has paid out XXXX in the past for violation against consumer 's on the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This is a fact that can be backed up by going into www.ftc.org website. XXXX XXXX XXXX ( XXXX ) is in violation of my rights under both law as well. They are reporting a debt that they claim was acquired from Capital One Account # XXXX. Capital One stated in XXXX XXXX credit bureaus that the account was sold to XXXX XXXX XXXX, however there was never a legal notice of transfer by assignment rights of the debt, a strict requirement under FTC guidelines, FTC XXXX XXXX XXXX XXXX XXXX XXXX ). Capital One admitted that the initial first late payment was XXXX XXXX. Accordingly, Capital One, based upon the 7-year rule FCRA has deleted the above referenced account. XXXX XXXX XXXX ( XXXX ) by extension from Capital One has without question the very same timeline on removal of the debt. The debt is no longer enforceable under collection guidelines within the state of New Hampshire. The evidence that XXXX XXXX XXXX does request has already been submitted, showing the legal timeline for removal, the connection to XXXX, and the deletion of all Capital One accounts across the board with all pertinent credit reporting agencies. XXXX XXXX did through its own internal investigation remove all Capital One accounts and the collection of XXXX. XXXX XXXX XXXX ( XXXX ) sent to me copies of invoices dating back to XXXX, and this was a major waste of time. The reported timeline on my credit reports by Capital One is the only item necessary to validate the removal date of the original account and any extension to a collection agency. XXXX compliance people need to go back to school to fully understand the meaning of the term 7-year rule on the elimination of obsolete negative information. I demand my file purged and that the Federal Trade Commission through the Consumer Financial Protection Bureau sanction XXXX for trying to re-age a debt already proven obsolete by Capital One and XXXX major credit bureau, XXXX XXXX. XXXX needs once again be penalized for ongoing violations of FCRA and FDCPA against American consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: NJ
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 Fair Credit Reporting act the below listed have violated my rights : 15 U.S. Code 1681 section 602a. States I have the right to privacy.

15 U.S. Code 1681 section 604a : It also states a consumer reporting agency can not furnish a account without my written instructions. 


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 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 15 U.S. Code 1681a

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Westlake Services, 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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against Westlake Financial Services located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Westlake Financial Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2016-01-08
Company: High Point Asset Inc
State: MI
Product: Payday loan
Issue: Can't contact lender

Complaint:
Highpoint Asset INC XXXX is calling me several times daily and harassing me stating I took out payday loans in 2012 and did not pay them. I did not take out payday loans from these people and the ones I did from other companies i repayed a long time ago. I do not know how they obtained my ssn.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: PA
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:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 

Experian CHARGED OFF Account info Account name : XXXX XXXXXXXX XXXX Account XXXX Account type : Auto Loan Responsibility Individual Date XXXX Status Closed. {$4.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance XXXX Recent payment $ 375 Monthly payment {$0.00} Original balance {$7100.00} Highest balance {$0.00} Terms 44 Months Account info Account name : XXXX XXXX Account XXXX Account type : Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$16.00}, XXXX written off. {$11.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$14000.00} Highest balance {$0.00} Terms 60 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Account type : Collection Responsibility Individual Date opened : XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2700.00} Balance XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$2700.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Note : My address is XXXX XXXX XXXX XXXX XXXX. I have sent a dispute letter in regards to this to Experian and XXXX. This is unfair practice and it violates my right under : 15 USC 1681 622A- Right to privacy 15 USC 1681 604A Section 2 : A Consumer reporting agency can not furnish an account without written instructions. 
I am asking for a monetary fine furnished to me for violation of {$100.00} up until {$1000.00} or a removal off of my Experian and XXXX reports. I do not owe on these closed and charged off accounts

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
As dated, XX/XX/2022, I, XXXX XXXX, Consumer, am aware of TransUnion LLC unlawful business practices act and deceptive business practices act.

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 2016-07-13
Company: Revenue Assistance Corporation dba Revenue Group
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I fraudulent debt collection XXXX I was making a payment to on a car payment some way I got revenue group on the line I do n't know how the intercept payment but my car was reposted because the payment went to this company. I am XXXX and XXXX daughter is the representive on my debit card so I had to call her to make payment.Payment was made but we found out revenue group got payment they stated I called them not he line but I would have never called them since this claim ins ligation with workers comp.They fraudulent received payment which caused my car to be repossessed.and they. Refuse to make amends I asked them since 2014 to refer to workers comp company. they caused my car to be repossessed.and XXXX to me, In XXXX and received XXXX for this.

Company response to consumer: Closed with explanation