BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-16
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I reached out to Ditech Financials on my sister 's behalf in the latter part of XXXX to see about applying for the HARP program, I was misinformed my a representative that the Government had discontinued the HARPS program. Upon learning that the information given to me was false, I contacted Ditech once more whom then informed me they would not be able to offer the HARP program to my sister who resides in NY due to the fact that they do not have a license to fully service her loan, being they are in AZ. We then attempted to apply for a home modification. Within days of receiving the application, two representative of Ditech informed me that they had made internal changes to their policy to not consider applicants whom had filed for bankruptcy. My sister had indicated on her application she filed for bankruptcy in XXXX of this year. She is a single working mother who is not behind on her payments but is struggling somewhat due to recent internal changes with her employer of 22yrs. She has ties to the community with family, friends, church and such and is fully committed to retaining her home. All she is in need of is some assistance in stabilizing herself and family as she goes through this financial hardship. What she is getting from Ditech is a bias resistance to assist her accomplish this. To add to that, the denial notice she received this week from Ditech says she can take her concerns up with the New York Dept of Financial Services ; however, the number provided in that notice from Ditech is for an XXXX XXXXXXXX XXXX. I find the handling of my sister 's case to be disturbingly inappropriate. She was not the one to select Ditech. Her account was transferred to them from her prior mortgage lender. That practice alone is unfair as they were not equipped to fully service her account. To add to it the misleading information on the HARP program and the policy changes made after receiving her application is unfair business practices. the XXXX XXXX only adds insult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
On XX/XX/XXXX Capital One reported to XXXX, and XXXX that my Capital One credit card ending in XXXX, balance was {$190.00} which was correct. On XX/XX/XXXX they reported to XXXX that my balance was {$660.00} which is not correct. My credit score dropped 26 points with XXXX due to this error. I called and alerted them of the issue and they indicated that they could not help me. I asked for a supervisor of the department that had reported the wrong information and was told that the person I was speaking to was the only one that I could speak with and they could not transfer me. I am in the process of working with a bank to purchase a home and the impact of this score has been detrimental to me due to needing to have this corrected quickly. I need them to immediately correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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:
I am having serious problems with Experian. It appears that someone has created an " Experian Account '' without my knowledge and this is preventing me from creating/ accessing my credit information from Experian as well as addressing fraud contained in my credit report. I have phoned them numerous times in attempt to address this problem. 
1. All calls to Experian are routed to another country outside of the United States. 
2. There appears to be a severe language problem in that Experian representatives read from a script and don't respond adequately to questions or attempts to resolve the problem. 
3. I am consistently being told that the information I am providing about my personal identity does not match what they have on file. They have told me that they have my name spelled differently than my true legal name Instead of XXXX XXXX, they have XXXX XXXX. Thus, they advise me to call back in 72 hours and they will attempt to " verify me '' again. I have attempted this no less than 5 times. The issue is never resolved and when I request to speak to management, I am placed on hold in excess of 45 minutes only for the call to be answered by another representative with a strong XXXX accent that can not resolve my identity problem until another 72 hours passes. As I have been a victim of identity fraud previously, I am very concerned that someone has created a profile with Experian utilizing my social security number and my slightly misspelled name. Experian has made no effort to resolve this problem. They don't appear to have a United States based office or representatives that are able to clearly understand the English language or the seriousness of this identity issue. I need to know who has created this account, how my information has been used by this fraudulent entity and I need to be able to create and access MY Experian account to resolve fraudulent issues that are impacting 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 non-monetary relief
Consumer complaint received 2017-09-12
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:
I am a victim of identity thief and have a police report supporting this fact..I have contacted TransUnion multiple times to have them correct the fraudulent inquiries on my report to no avail..the following inquiries were not made by me nor have anything to do with me..XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 explanation
Consumer complaint received 2017-06-27
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I originally had my student loans with XXXX XXXX which now Navient. I have a debt amount of {$11000.00} approx. in student loans. I am currently unemployed due to any injury to my back while working and have been out of work since XX/XX/XXXX. On numerous occasions I requested some kind of help from Navient before and after my injury due to financial circumstances, such as losing my home, losing my cars, taking a $ XXXX/hr pay cut at a new job. All the while the only thing Navient could offer me was forbearance for no more than a few months or a year. I have tried to send what I can to them, at times only {$20.00} because we are currently living on one income and still have children to feed and clothes. I do not receive any income for anything. Navient never once offered me any other type of repayment plan for my loans such as the Income Driven Repayment Plan, The Go As You Earn Plan, etc. Only offering forbearance plans. They are relentless in sending threatening letters in the mail about what will happen if you do n't pay your loan, etc. This has been going on for approximately 5 years. I recently have discovered that there is help no thanks to Navient from a XXXX XXXX and have consolidated my loans and now have been placed on the IDR plan. Nothing Navient EVER offered to me until just recently, XX/XX/XXXX, in another threatening letter stating that they would be forced to start accessing an interest rate of 24.34 %. I have asked them numerous times to not call me over the phone that I would do everything over email or mail. They did on numerous occasions after my requests call me and again harass me over the phone. They have also sent me letters under different company names such as XXXX XXXX XXXX, XXXX XXXX  ( This is the latest ), and Navient Solutions. This company has NEVER been cooperative or even tried to help me in any way, either lowering my payments, offering any other options, NOTHING! It is unfair how they have treated so many people in my same situation and it needs to stop! I will never have them as a loan service again EVER.I also have been made aware by many other students and friends of lawsuits against Navient that have recently come about for the same things they have done me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I attempted to dispute inquiries made on my credit report online. I was then told on their website to call a 1800 number to make a dispute because I can not dispute it online. I called Transunion and talked with " XXXX the Supervisor for special handling '' and was denied from legally disputing any unauthorized inquires made on my account. I informed them under section 609 that I have every right to dispute anything on my report that may be fraudalent or unauthorized. And was still denied. They told me they will need a " letter from a lender ''. I then informed them that the lender would not logically know if the inquiry was unauthorized or not. Only the consumer would be able to confirm that. Transunion is violating my rights under section 609 to dispute anything on my credit report, including unauthorized inquries. I demand that my inquries be disputed legally or deleted. If this isnt done under law section 609. The next step will be legal action with my attorney.

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 2017-10-18
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a checking account with {$50.00} in XXXX and tried to setup direct deposit through my company 's payroll. For unexplained reasons, they were unable to establish a connection so direct deposit never started. 

I did n't use the account, but logged in today to try to resolve the issue. Instead, I see a {$0.00} balance and that the account 's been closed without any warning or communication. 

The {$0.00} balance is because they 've taken XXXX months of $ XXXX monthly service fees - again without any communication. So I 've lost {$50.00} without any warning or communication and nothing to show for it. And XXXX has forever lost me as a customer.

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 2017-10-18
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine. I never had an account with XXXX ever. Someone may have used my information but this is not mine and needs to be immediately removed.

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 2017-10-18
Company: Exeter Finance Corp.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Product : vehicle loan I purchased my XXXX XXXX XXXX on XXXX/XXXX/XXXX for {$17000.00} Since then, aside XXXX requests for deferred payments, I have been making the monthly payments of {$430.00} up until XXXX/XXXX/XXXX. In hopes to pay off the loan faster, I started paying {$250.00} bi-weekly on XXXX/XXXX/XXXX. However, no one at XXXX seems to know whether or not my extra monthly {$60.00} gets applied to the principal or not. According to XXXX I still owe over {$2500.00}. My loan maturity date has moved from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I spoke to call center XXXX XXXX XXXX who explained that, in spite of the loan being mature, I will still continue owing them money. 

I would like my account transactions be reviewed, and I would like to receive a written explanation as to where my extra payments went. I am confident that I have been overcharged, and the car has already been paid off. The original contract states that the total of payments ( The amount that I will have paid when all scheduled payments have been made XXXX is {$31000.00}. I have paid a total of {$33000.00} as of this writing. I would like to see that this was just an error on their part and I want the title of the vehicle as soon as possible. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX ( XXXX ) is using illegal debt collection tactics to try and collect debts that were previously disputed with credit bureaus and DELETED. They have constantly disregarded the consumer credit reporting act that clearly states they can not add the item back unless more documents are provided and I am notified. They haven't done either of them. On Equifax I have had them deleted over 3 times in the five months and I've lost count before that. dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX dates are XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I made a payment for {$4500.00} via personal check to the State of NY for estimated tax payment. I did not transfer sufficient funds from my savings to my checking account and check # XXXX was returned and the money was credited to my account in the amount of {$4500.00}. I called TD Bank on friday XX/XX/XXXX, to resolve the issue, and the representative waived my returned check fee of {$35.00}, and also informed me that the check is void at this time, and I would need to write another check to the state of NY. I immediately made an online payment to the State of NY, and it posted on Monday XX/XX/XXXX. In addition to posting the payment, TD Bank processed the supposed returned check # XXXX payment and {$4500.00} was withdrawn from my account. I was under the impression, based on TD Bank 's representative that check # XXXX was null and void. I called TD Bank, and they placed a stop payment on the {$4500.00} to State of NY on XX/XX/XXXX, and I was told on a recorded line that the {$4500.00} would be processed and returned in 24 hours. Today I called, and they are saying 3 business days to process a stop payment and obtain my funds back to the account. {$4500.00} was withdrawn two times and they are now pulling up recorded conversations I had with TD Bank to verify that their representative in fact instructed me to write another check to the state of NY since the returned check was voided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-22
Company: ONEMAIN FINANCE CORPORATION
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I took out a personal loan from One Main Financial back in XXXX. I was making monthly payments up to XX/XX/XXXX, when I decided to file a chapter XXXX bankruptcy due to hardship, and that the balance of the loan was part of the chapter XXXX. 
Following the discharging of the chapter XXXX, I was monitoring and realizing that One Main Financial has not closed and removed its information, the loan was still open. So, I called to advise One Main Financial that the loan was part of the chapter XXXX bankruptcy discharge, the answer I was given " That's the way our information it is going to remain in your credit reports. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I have noticed several inquries being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are XXXX XXXX XX/XX/17, Capital one Auto Finance XX/XX/17, XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX GA XX/XX/17, XXXX XXXX submitted a inquiry on XX/XX/2017 and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: TENET HEALTHCARE CORPORATION
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Syndicated Office Systems/Central Financial Control Amounts of {$100.00}, {$120.00}, and {$1800.00} After XXXX attempts to have these debts validated they keep coming back " verified '' but have yet to provide proof that I owe this debt, they have the authority to collect, a written signature on a contract. After multiple attempts to dispute via the collection agencies as well as the credit bureaus the information provided still is n't sufficient enough to show that I owe said debts. I want this information removed immediately since this is a violation of my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute to remove inquires on my credit report that I did not authorized and it 's lowering my credit score. I have filed a dispute with XXXX, XXXX and experian, and still the inquires are still showing up on my reports. I have inquiries from XX/XX/XXXX all the way up til XX/XX/XXXX that keep appearing on my report and I have disputed these items numerous of time. There should not be XXXX inquiry on my report except from XXXX because I 'm in the process of buying my first home and this is delaying the process.

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 2021-07-23
Company: PLANET HOME LENDING, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My complaint is with Planet Home Lending. My VA loan was originally processed through XXXX XXXX XXXX, but was soon sold to Planet Home Lending. I made my first mortgage payment of {$1600.00} ( XX/XX/2021 ) to XXXX XXXX XXXX, which was then forwarded to Planet Home Lending in order to validate this payment. Today ( XX/XX/2021 ), I received a call informing me that my XXXX payment was never received, and that I was approaching 60 days of no and/or late payment which would be reported to the credit bureaus. However, I was also told on today 's ( XX/XX/2021 ) call that my XXXX payment ( XX/XX/2021 ) was applied to my XXXX bill. If this is the case then it would be impossible for me to have not paid for 60 days as only 23 days had passed. However, the greater issue at hand is Planet Home Lending not acknowledging the payment sent to them by XXXX XXXX XXXX. Today ( XX/XX/2021 ) I have confirmed with both my bank, XXXX XXXX, and with XXXX XXXX XXXX that my payment was received and forwarded to Planet Home Lending. During my call today with Planet Home Lending, the agent I spoke with refused to take any of the information I had regarding the payment that was received by XXXX XXXX XXXX, and also stated that Planet Home Lending would not be attempting to learn why my payment was not accepted or applied to my loan. The only reasons I can see that Planet Home Lending would perform business in such a way is they are either : 1. ) Stealing money from their purchased loans ; 2. ) Incompetently mishandling their held loans ; or 3. ) Intentionally refusing to interact with the loan seller after the sale is complete due to laziness, and therefore Intentionally mishandling held loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account is not valid. No balance owed. After 7 years, XXXX/IC Systems continues to report account in the amount of {$1200.00} on credit report in violation of the Fair Debt Collection 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 explanation