BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-15
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had fallen behind in my mortgage payments with Green Tree Servicing ( now Ditech ). Several months ago, I resumed making the payments and even sent one check covering three payments. Green Tree/Ditech cashed all of these checks, but never credited the account. In XX/XX/XXXX, I sent them another check in the amount of {$540.00} ( one month 's payment ), but they returned it, claiming that the amount is insufficient to reinstate my account and that they have begun foreclosure proceedings against me. They claim that I owe more than {$3500.00} to reinstate the account. The amount I owe should be about {$1200.00}. They have also been charging me {$100.00} per month for " repairs '' without explaining this charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
per XXXX XXXX website, they remove after 2 years from credit report. per XXXX, account is closed please remove from all three reports. XXXX XXXX  was charged {>= $1,000,000} by 42 states in XX/XX/2018 for bad practices. statue of limitations has passed. XXXX XXXX & the company they bought the debt ( one main financial ), must remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-01
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
chex systems has account or file on me and I also reporting that some one used my information they never take off I can not use bank account to put my goverment chexevery mouth

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: BHFC Financial Services INC
State: AZ
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
My lender both had an agent impersonate a law enforcement official, and indicate i was going to be charged with a crime. A BHFC Financial representitive posed as a XXXX PD detective who then called me, my parents, and friends, explaining how I was wanted for a crime, and that I would be arrested for not paying my car payment. When asked for information on the crime, a badge number, or any official information, the agent folded and hung up on my family. I have messages recorded verifying the false representation of law enforcement, and also about saying I was going to be arrested.

Company response to consumer: Closed
Consumer complaint received 2017-02-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently tried to open a new bank account at several banks and they all told me I had a record with ChexSystems and or XXXX and to contact these agencies. I have done that and have filed a dispute with ChexSystems once I received my report and noticed a fraudulently opened account with a credit union with a very large negative balance. I am still waiting for a report from XXXX to see what that has in it.

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 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Im writing to you today because Im in shock how poor attention my credit reporting has gotten. After reviewing my credit and the FCRA, I must bring this to your attention the following items that should be removed immediately according to the FCRA. According to 15 usc 1681a ( 2 ) ( B ) The accounts US DEPT OF EDUCATION and DEPT OF ED / XXXX should be excluded from my credit report. The Credit reporting agency is preforming unfair practices I now can not get a mortgage because of these accounts showing on my credit also I never gave credit reporting agency written consent to disclose my personal information according to 15 U.S. Code 1681b ( 2 ). The credit reporting agency is giving me a hard time resolving this unfair situation.

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 2022-05-23
Company: General Motors Financial Company, Inc.
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: Their investigation did not fix an error on your report

Complaint:
XXXX dealership ran my credit several times, they were not authorized to do this, they have even admitted in the letter I have proof they were not allowed. GM FINANCIAL has refused to take it off my credit report. This is absolutely ridiculous and against the consumer protection, I have wrote them with no other response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I participated in a carpool because the cost of gas and inflation. Well my credit card was stolen from me ( I am guessing because it may have slipped out of my purse during the car pool with 4 other people. My Card was used at XXXX and XXXX XXXX and I truly believe that the credit card company is discriminating against me and not returning the funds that I did not use. They should know if you carpool with people they know how you look and they may have worked around that .I don't know but it has been a battle getting them to fix the problem.

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 2016-02-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to aquire a loan modification through Wells Fargo. However, the deciding factor is the lien I have against me from the state of California for rear child support. I have spoken with the child support division and the have spoken with their legal team. The legal team has told me, they are willing to temporarily lift the lien so modification can go through. The only documents they have requested from Wells Fargo and or myself is Mature Installments ''. I have completed paperwork 3 or 4 times now only to be tokd by Wells Fargo that I must come current on my child support. It has been very frustrating and disappointing to have had to repeat this process only to get the same result. If the State of California is willing to lift the lien, why is Wells Fargo refusing to provide the necessary documents?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have had student loans since the age of XXXX on my credit report they been in forbence why does it show I 've missed every payment when I 've never received any bills due to not living where they sent them. And they were deferred and still are deferred. What should I do to get that off my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: CA
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 disputed with the credit beau regarding one of my items on my credit report. I asked them what did they use to validate that debt was mine. There was no signatures on that debt from XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO is reporting to Equifax, and by means of a collection agency XXXX XXXX XXXX XXXX, is attempting to collect an alleged balance of {$200.00}. According to Equifax, the date the alleged debt was incurred was XX/XX/2015, but I have no visit to XXXX XXXX XXXX XXXX on that date, and the credit bureau has not responded to my complaint. 

1. XXXX XXXX  XXXX XXXX is not owed the debt and I have never been presented with an invoice for payment, an itemized receipt for products, services, or care provided, and I have never been provided with a contract -- including the date and my signature -- which authorizes the establishment of a credit account. 

2. XXXX XXXX XXXX XXXX have illegally " re-aged '' the debt on my credit report to make it appear more recent and with a higher balance. XXXX XXXX XXXX XXXX have failed to respond to my inquiry that they substantiate the date of the debt with an original invoice from XXXX XXXX XXXX XXXX ; the have failed to represent the correct amount owed and have arbitrarily and capriciously increased the amount owed with no notice and without stating what interest, fees, charges, or other add-ons are being claimed. 

3. Equifax has not responded to my dispute, violates the FCRA in failing to act, and is causing irreparable harm in its negligence to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXXXXXX XXXX XXXX amount {$710.00} XXXX NEW JERSEY XXXX XXXX amount {$180.00} XXXX XXXX XXXX amount {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, 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 reported identity theft back in XXXX & Equifax has ignored my affidavit. I need to get compensated for this because its blocked me from getting credit. Equifax has really impacted my financial future in a negative way

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am a Bank of America customers for years. I have personal checking and business checking account with Bank Of America. It is the first bank I opened when I came to USA and that I dont want to loose. 
Due to misunderstanding of agreement between you and me. I made a mistake by placing third party personal checks to business account. I was using my business account at XXXX bank for these purposes and I did not have any issues with them so far. I thought the agreement same as for XXXX. By the way, if I committed the fraud, I would be complaining and writing this statement, all actions were done because owners of checks had no way to cash it in their home country - XXXX, they asked me to do so. I have their authorization letters, copy of passport. 
Now XXXX is closing my both personal and business accounts. 
My impressions with Bank of America is associated with my impressions of USA, since it is the first bank I opened in the USA. I do not want to loose those impressions, please do not take them from me.

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 2017-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My debit card was stolen by my babysitter and she overdrafted my account. I have turned in my police report and would like my monet returned to 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 with monetary relief
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX, XXXX and TRANSUNION SMARTMOVE have been furnishing reports and making claims furnishing and sharing information about me without my written consent, permission or authority. These acts are depriving me of my God given right to life, privacy, right to be left alone and my right to the pursuit of happiness. I, XXXX XXXX did my due diligence and began an investigation. During my investigation, it has been brought to my attention that I have been swindled by way of deceptive forms and I am now enforcing my right to privacy and Opt-Out. These laws have been violated by these entities. 

17 CFR 248.124 Reasonable Opportunity to opt out. 

15 USC 6802- Obligations with respect to disclosures of personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent in a letter for validation with electronic return receipt and it was delivered on XXXX XXXX, 2016. It is now XXXX XXXX, 2016. I have not received a letter of validation. I called XXXX on XXXX XXXX, 2016 asking for the account to be removed since I did not receive validation and it 's been more than 30 days. Their response was that Diversified Consultants verified the account with XXXX on XXXX XXXX, 2016 but I still did not receive validation as I 've asked. Now I am requesting deletion but XXXX refuses saying that they will send validation in 7-10 business days. It 's been longer than the 30 day mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: ALLY FINANCIAL 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:
I have two car dealerships that were not authorized to run my credit, I have the letters from the car dealerships and sent them to ALLY financial, I have heard nothing from them and every time I try to send a letter it gets returned. 

XXXX AND XXXX did not have authorization to run my credit through ALLY financial, ALLY Financial needs to delete ALL hard inquiries off my credit report

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 2022-05-23
Company: Experian Information Solutions Inc.
State: IL
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 this information I unfamiliar and unauthorized inquiries that at reporting on my report. 
Here is a list of unauthorized inquiries XX/XX/XXXXr XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXl XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX of XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2017-03-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I enrolled in a degree program in 1996 and financed it via Federal student loans. My loans were serviced by XXXX XXXX, and after that company failed, with Navient. I have never been counseled nor offered guidance with regard to income driven repayment plans by these firms. No outreach has been conducted by them to me, and I have been forced, as a result, to pay a private company for this straightforward and essential assistance. ( After all, perhaps these loan servicing firms make money through interest rate markups on monthly loan payments, and were all those eligible for {$0.00} or relatively small payments through the forgiveness programs to actually enroll, that would be too expensive to them, irregardless of the contractual obligations they made to the DOE to counsel borrowers. If so, are we not naive to expect these firms will promote programs which defeat their profit interests? If this is not accurate, I cordially request an accurate explanation ... ). In any case, having had XXXX XXXX, and now Navient, servicing my debt makes my case, it seems, a microcosm of the vast, systemic dishonesty and negligence problems these firms are accused ( guilty ) of. To say the least, with Navient under criminal complaint, it seems absurd to have them as my servicing firm. Their credibility is sorely lacking. And if what XXXX XXXX has with finality has been found guilty of a cross the board is also true of my case in particular, this borrower seeks remedy. What remedy is there for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: NY
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 been repaying Students Loans to XXXX XXXX and now Navient for the past few years and have been a victim of the exact things they are now being sued by the federal government for. I was never given different options of repayments and they always encouraged me to take a forbearance during my times of financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Advance America, Cash Advance Centers, Inc.
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I 've contacted Advanced America Cash Advance trying to settle my debt.and acquire a payoff my interest rate is 222.10 percent. They refuse to give me the requested information. I no longer want to owe them money. They have been rude and uncooperative. I would appreciate your assistance in this urgent matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Hello, I contacted Navient customer support on XX/XX/XXXX regarding a loan discrepancy that I recently discovered. A representative advised that I reach out to an advocate and provide documentation. The advocate has provided no response in this matter. Your assistance would be greatly appreciated! 

I have a Signature Student loan with Navient for {$12000.00} that was not fully dispersed to XXXX University, although it shows that I have been repaying with interest for a significant length of time. I withdrew from classes weeks into the first semester. The documentation provided by XXXX University shows the effective withdrawal date of XX/XX/XXXX, associated fees, and refunds. 

This {$12000.00} loan should not exist as I did not attend XXXX University - this is absolutely an error on Navient 's behalf. 

XXXX UNIVERSITY NAVIENT PRIVATE LOAN TRUST Signature Student ( {$12000.00} )

Company response to consumer: Closed with explanation