BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-29
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After my wife developed health problems disabling her, and I was asked to resign my employment due to the closure of the branch I was to work at, we began to get behind in our payments. My wife was diagnosed with XXXX XXXX and the work I found was only temporary and was not enough to feed us, pay utilities, and the mortgage. At the same time my mother in-law needed some help copping with the loss of her husband and her XXXX daughter. We made the decision to put the house up for sale and return to New Jersey. We had hoped to sell the house and avoid a foreclosure. Unfortunately we selected and ineffective realtor and signed a contract. We are now more the a year behind in payments. The mortgage company put a notice of foreclosure on the property and re-keyed the back door, ( this was in violation of our state law ) they had not received the documents to take this action at the time. The mortgage company has also informed the credit agencies that we are in foreclosure and we have never received documentation to this day that they are formally foreclosing on us. We consider this harassment because at our foreclosure avoidance hearing we specifically informed the parties that we are trying to avoid a foreclosure on our record and not one representative said that it was already appearing on our record, or would appear with out us receiving documentation. In fact we believed that if we do a deed in lieu we will avoid a foreclosure. We made it very clear that was our plan and we were not informed that it was n't an option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I am XXXX XXXX and upon reviewing my updates, incorrect information was found still in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance XXXX {$1300.00}

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 2022-05-17
Company: Experian Information Solutions Inc.
State: AL
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:
On XXXX/XXXX/XXXX I submitted a CFPB report for Experian because they are listing inquires on my credit report. In the CFPB response they stated that the inquires that I am disputing aren't on my credit file, in which they are lying. I believe this is a prewritten response they did not even look at my credit report. I submitted evidence of the proof in the attachments. They also never responded to any of my letters I have sent them and I know they received them because I put a certified tracking on them via USPS. I have contacted all of the creditors that are on my credit report and not XXXX of them could provide me with a document of any credit application with my signature on it. I asked the same for Experian who keeps ignoring my request. I believe they are lying to keep this inaccurate information on my credit report. I am going to put each inquire along with the dates in this complaint and I am going to provide proof that i tried to handle this with the company. 

The inquires that Experian stated that was not on my credit file in the last CFPB complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-01-16
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Hello, My name is XXXX XXXX and I am writing in regards to my Barclays Rewards MasterCard. 
I had hoped to secure a Credit Line increase on the card account without a Hard Inquiry/pull on my Credit Report, since they last for 2 years. And it 's frustrating that this can not be done. 
I am always advised when I call in, that if I do not want this done, I would have my account randomly reviewed at some time - when no one knows. But this continues to be the case. 
I have had this account for well over one year, and it still has not been provided with an auto increase. Even though there is documentation online that states an auto incerase will happen within 12 months. I 'm still waiting. 
I would like to know when my time will arrive for an automatic line increase? 2,3,4 or 5 years from now? 
I only have {$1000.00} in available credit, so if I even attempt to charge how I 'd like to charge, my utilization on this card will shoot well over 50 %, and that wo n't be good on my record, causing my XXXX to drop - hard. 
So, I 've been relagated to charging only $ XXXX a month in order to remain compliant. But it appears Barclays does n't value my relationship with them to even offer any type of line increase. 
I honestly like the card, but I 'm afriad to use it like I want to because I have a low limit. 
Please let me know when my account will qualify for an automatic increase, since it has been active in good standing for well over one year.

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 2020-04-24
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello, PayPal has limited my account ( On XXXX XX/XX/XXXX ) for 6 months, And after that, they withdraw my money coming from selling on XXXX to another Account PayPal ( ON XXXX XXXX XXXX ). Without my authorization. 
( 3 operations with proof currency : XXXX USD XXXX CAD and XXXX EUR ). 

I have written and called the customer service but no solution at this time. 

I like to have all my fees paid for all four years with PayPal, and damages Because my activity is stopped by PayPal. ( I'm an honest XXXX  on XXXX  ). I XXXX XXXX XXXX   on XXXX only that. 
( No case with buyers on XXXX and Paypal  too ) They tell on one email : PayPal has taken my money like damages because I dont respect the policy of PayPal! 


From : PayPal Customer Support Mark As Unread Print Delete RE :  Email address XX/XX/XXXX at XXXX Dear XXXX XXXX, Thank you for contacting PayPal regarding the limitation on your account. 
PayPals User Agreement explicitly states that sellers who violate our Acceptable Use Policy may be liable for damages up to {$2500.00} USD per violation. These violations may include the sale of prohibited Adult or Offensive Content, Drugs, Counterfeit Goods, etc. We have dedicated teams and robust internal processes to ensure adherence to our policy, and the company may look to recover damages from sellers who have broken our agreement. 
Sincerely, PayPal -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Copyright XXXX  PayPal. All rights reserved. 
Responses to this email address are not monitored. 

Sent : Thursday, XX/XX/XXXX XXXX XXXX ( XXXX ) PayPal Customer Support :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: EQUIFAX, INC.
State: MS
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 have disputed an account with all three credit bureaus repeatedly and reached out to XXXX XXXX XXXX regarding debt validation of an account that is reported on my consumer credit report with Equifax, XXXX, and XXXX. No one has yet to validate this debt! 

Also, I have requested for Bureaus to remove hard inquiries from my Credit Profile that I did not request as well as incorrect addresses which to date all still remain. This has been done by phone, fax, email, as well as mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 a collection accounts on my credit report and they do not belong to me, XXXXXXXX XXXX XXXX {$87.00} XXXX XXXX XXXX {$50.00}

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 2023-01-20
Company: Experian Information Solutions Inc.
State: NV
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:
Medical account that was initially disputed as paid with but ultimately written off by the original facility & sold to a collection agency that is reporting it on all 3 credit bureau accounts in the amount of {$130.00} by collections agency ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I have no contract with this agency regarding this debt {$130.00} medical ( which was previously paid ) & additionally it was disputed with the 3 credit that medical debit under {$500.00} should no longer be reported ( as of 2023 )

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 2022-05-17
Company: Experian Information Solutions Inc.
State: FL
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:
I have received your response regarding an ongoing dispute of a reported bankruptcy on my consumer report. In your letter you stated that you contacted the furnisher XXXX XXXX XXXX XXXXXXXX XXXX However, this was found to be false as I have provided you a letter from the bankruptcy court which stated that they Do not provide filings with credit bureaus. 

I have requested a Method of Verification in accordance FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency. Experian failed to comply. 

I have not given Experian or any of its affiliates permission to use my Personal Information to obtain any court filings. Experian has violated 15 USC 1681 ( B ) ( 2 ) and 18 USC 1028 ( a ). For this reason, I am demanding the removal of this record from my consumer 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 2017-02-10
Company: Commonwealth Financial Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
COMMONWEALTH FINANCIAL has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe COMMONWEALTH FINANCIAL any alleged debt and would like them to provide proof of claim with authenticated verification. COMMONWEALTH FINANCIAL has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: GA
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 pulled my consumer reports on XX/XX/22 and noticed multiple discrepancies. These 3 consumer reporting agencies are clearly just doing whatever they want. They are not following the requirements outlined in the FCRA at all. This complaint is referring to 3 different accounts. The part of my consumer reports where it lists the company 's information who has reported various items on my reports is all over the place. They are supposed to ensure that ALL information pertaining to me is accurate. I am unsure of what information is correct because these are listed multiple times with different information. 
XXXX. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

***Please note that the FCRA does not permit you to abbreviate or alter the names of these companies, instead you are to ensure the MAXIMUM possible accuracy of ALL contents. 

Please also let me know how am I supposed to exercise my right as the consumer and dispute with these companies when you all are reporting MULTIPLE addresses and names?

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 2017-01-30
Company: Ditech Financial LLC
State: ID
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed a previous complaint about our mortgage company, Ditech. We thought it had come to a conclusion and was thought to be completely resolved until I just pulled my credit report and Ditech has reported us 'late ' and affected our credit, which they said they would NOT DO. Here is the original complaint : Our mortgage was sold by XXXX to Ditech around XX/XX/2015. XXXX had paid or annual taxes from our escrow account prior to it being sold. Ditech then also paid our taxes for the year resulting in a double payment. We received a refund check from our taxes being overpaid by the county and were confused. When we called XXXX to inquire, they informed us that our mortgage had been sold. We had no idea. There was absolutely no communication on XXXX or Ditech 's behalf of this move. We then called ditech to see let what was going on. They said to send them back the check, which we did. They then proceeded to charge us twice the amount for our escrow the following month. Our mortgage payment was on auto-deducted out of our account. In effect, our mortgage payment was almost {$600.00} more than usual. We, of course, were expecting our regular mortgage payment to be deducted from our account and were not prepared for an extra {$600.00} coming out which resulted in overdrafts and fees. We immediately called ditech to fix the situation. They said it would be fixed in 8 days. 5 months later it has still not been resolved or fixed. They keep billing us {$600.00} over our regular mortgage payment and refuse to fix the situation. We have called repeatedly, had to explain things to each new person over and over. No one will actually help us. They keep telling us it should be resolved in 8 days but when we call to follow up it is never fixed. Throughout this process we have been paying our regular mortgage payment because we have no idea what else to do. They are now treating us as if it is our mistake and sending us 'loss mitigation ' letters, putting notices of non-payment on our door and acting as if we are delinquent on our mortgage payments. We do n't think they have officially reported us to the credit bureau but we are concerned that they will. We have pursued a lawyer 's help but would rather not go through the hassle and expense. We are at our wit 's end. We have tried to refinance with another bank but since our mortgage is less than 2 years old we have little equity. We have also requested to handle our own escrow account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2017, Ditech denied the Home Affordable under the HAMP Program claiming that the 31 % is less or equal to 31 % of the gross income. Pursuant to the XXXX servicing Guide published on XXXX XXXX, 2017, servicers are required to include the monthly payments for all Heloc. Thus, the housing debt ratio must included the following : Principal & interest Taxes & Insurance HOA dues The principal & interest, taxes and insurance included for the fist lien : 1. {$660.00} Second lien ( HELOC 2. {$580.00} HOA dues 3. {$210.00} total Housing expense $ {$1400.00} divided by monthly verified income $ XXXX % The record reveals the the debt to income ratio exceeds the 31 %. Ditech failed to abide by the XXXX servicing guide published XXXX XXXX, 2017. The records reveals i am eligible for the XXXX Program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I would like to bring your attention to a serious issue I have with Western Union wires that first took place on XXXX of XX/XX/XXXX to a FRAUD SCAM Brokers : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   ). 

I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  ) - the Scammer. 

The funds were transferred utilizing Western Unions services in the total amount of XXXX CAD! I would also like to point out that on XXXX of XX/XX/XXXX - I filed a dispute with Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a claim with Well Fargo on XX/XX/22 regarding charges on my debit card for products not received. The charges totaled {$3000.00}. It is now XX/XX/22 and no provisional credit has been issued to me nor any communication from Wells Fargo regarding my claim.

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 2022-05-17
Company: ALLY FINANCIAL INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have ordered plain checks from Ally, which are sent without charge, and I was charged for them. 

Ally Bank has no ability to answer phone calls or customer service texts at this time. They are unreachable for any correction of this charge, which means they have stolen money 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 monetary relief
Consumer complaint received 2016-08-17
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
I have a upromise XXXX issued by Barclay 's bank. They have locked me out of the account and will not provide statements or information to manage the debt. They are demanding documents I do not have to prove my identity. I have made payments by blindly sending them to the payments address hoping not to be late.

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 2015-09-16
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I own a rental property and our current first mortgage was sold from XXXX to Ditech. We have not received any statements or an account number. We have tried to contact Ditech at their customer service number XXXX. We are able to use the automated repsonse system to obtain balance information, but it does not provide an account number. We when select the system prompt to transfer to a representative, the voice response system transfers us to a mailbox that is full. We are unable to get in a contact with a person. Our mortgage payment is 16 days past due and we are unable to willingfully make a payment. We also did not receive any information from XXXX or Ditech regarding the transfer of mortgage servicing rights.

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