BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-25
Company: General Motors Financial Company, 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 status incorrect

Complaint:
I have a car fro GM Financial and everything was going fine i was making on-time payments every month via ACH transfers this past XXXX the credit bureaus are reporting a late payment on the account i was very confused so i called the company to see what was going on and they told me that the payment was canceled for this month and they sent me a letter to make another payment right away now i never received any letter because they sent it to the wrong address i have a copy of the letter and on the letter it shows the wrong address if i would have received the letter to the correct address i would have been aware of the cancelation of the payment and i would have maid the payment right away. this is not fair its affecting my life the fact that its reporting late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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:
n accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-09-07
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On Saturday, XXXX/XXXX/16, I received a from Ditech Financial stating that my XXXX 2016 mortgage payment was not received. The letter further went on to state that late fees would be charged as a result. I contacted Ditech customer service on Tuesday, XXXX/XXXX/2016 to learn more about Ditech 's assertion that the payment was not recieved. I explained that my payment was made online with XXXX XXXX XXXX bill pay system. My statement was documenting that the payment was processed to Ditech on Thursday, XXXX/XXXX/2016. The customer service representative and subsequent supervisor requested that I fax a copy of my recent statement to them. I faxed my statement on Friday, XXXX/XXXX/2016. I called to follow up with Ditech the first week of XXXX. The customer service representative stated that the disputed was sent on to investigations. I had provided customer service and the supervisor with my contact information in my initial call and in the subsequent call. Having received no contact initiated by Ditech, I called to follow up as to whether my payment had been located. My XXXX 2016 payment to Ditech was sent and documented processing during this time. I then recieved a letter stating that my XXXX payment was not received. I contact Ditech customer service and was told I needed to provide a visual image of the processed payment. I asked how one accesses visual documentation of an electronic payment and the customer service representative suggested I contact my bank. On XXXX/XXXX/2016 I enlisted the assistance of XXXX XXXX of XXXX XXXX XXXX to help research my payments. She reports that XXXX XXXX XXXX central processing verified the payments to XXXX XXXX on behalf of DiTech on XXXX/XXXX/2016. As of this submission, Ditech has failed to contact me to confirm resolution of this issue. Resource staff contact information fails to access staff. Front line service representatives are unable to confirm resolution. 
At this time I am seeking assistance to resolve this payment dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed XXXX disputes regarding XXXX different collection agencies that have reported collections on my account. I have provided proof of all collections that were paid in full and Experian failed to fully investigate and remove thoses items which are currently hurting my credit score. First was XXXX XXXX XXXX, Second XXXX XXXX ( XXXX XXXX XXXX ) and third XXXX XXXX Bank ( XXXX and XXXX ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Reporting Act : XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX XXXX XXXXcct # XXXX, has violated my rights. 

15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A section 2 : states, A consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 section 602 A. states, I have the 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 explanation
Consumer complaint received 2015-07-28
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made an extra payment to my mortgage servicer, Green Tree Servicing, on XXXX/XXXX/15. Green Tree applied the correct amount to my current payment, but they did not apply the extra amount, totaling {$360.00}, to reducing the principal. They are essentially sitting on the money, doing nothing with it. I submitted an online inquiry to Green Tree, but only received an automated reply stating that they would get back to me within XXXX days. I also called Green Tree 's customer help line today. I explained the situation to the operator, and she assured me that she would have the {$360.00} applied to reducing the principal. However upon checking the account online this evening, I see that nothing has changed. 

Note that Green Tree 's web site states : " You have two ways to pay additional toward your principal. One, you can choose biweekly payments to pay down your home loan faster. XXXX, even if you choose monthly payments, you can pay extra any month. If we receive a payment larger than the amount due, we apply the additional amount first to any outstanding fees and then to your principal balance. '' However, the operator I spoke with today stated that Green Tree does NOT automatically apply extra funds to reducing principal. 

I see that CFPB and the FTC have fined Green Tree for illegal and unethical practices XXXX. Green Tree acquired my mortgage, which is in good standing with zero late payments in its XXXX year life, from a reputable lender. Green Tree has been difficult to deal with from Day 1. I urge the CFPB and FTC to use your power to steer other lenders, as well as XXXX XXXX and XXXX, away from doing business with this shady operation ( pun intended ). 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: CITIBANK, N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
To Whom it may concern, Dear Sir/Madam, I am sending the this complaint for Citibank not honoring the Citigold promotion offer on which Citibank would post XXXX XXXX miles to applicant 's account after finishing the related requirements. 
I opened Citigold checking package around XXXX XXXX and fulfilled all the requirements around XXXX XXXX. The online chat customer service at that time confirmed I had finished all the requirements and would receive the bonus miles after 90 days as terms required. 
On XX/XX/XXXX, I sent a security message since I did n't receive the miles on time. The reply from the message is shown below : " I can confirm the AAdvantage miles have been processed to your account. However, be advised it may take an additional 30 days for the miles to post to your AAdvantage member account. '' Please find the attachment for details. 
Then I had been patient and waited another 2 months until XX/XX/XXXX since I trusted Citibank would honor the terms and what the customer service promised. 
On XX/XX/XXXX, I sent another security message to check my bonus miles status since it had been such a long time and it is not posted yet. Then the security message customer service this time stated that I was not targeted and would not receive the promotion miles. Later on XX/XX/XXXX, Citibank stated they would file an investigation while I do n't receive any response until now.

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 2020-03-25
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I have been guided to your website by an aid from U.S. Senator XXXX XXXX 's office Ohio 's XXXX District.. 

I have leased a safe deposit box of which I have contracted to lease from the local Chase branch and is currently up to date fees as required for the lease of the box of. Which I've leased for approximately one and a half years. I was told by an officer of the bank I would always be able to access my box during bank working hours.. 

My dilemma is such that the aforementioned bank, Chase Manhattan located at XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX is currently closed. No one working the outside window and nor is anyone available by phone inside the branch. In addition I have contacted Chase Manhattan corporate offices- consumer relations department and have not gotten anywhere. I contacted the local XXXX XXXX police department to see if they had an emergency contact also to no avail. 

I understand Chase closed many branch offices due to Coronavirus issue, However I was not given an opportunity to retrieve my valuables before the bank closed. No communication at all from the Chase branch either via e-mail, USPS or via phone. .I am laid off from my work due to to the Coronavirus issue and desperately need to access my valuables so I can sell them.in these trying times. 

I do not think it is ethical that Chase is not allowing access to safe deposit boxes, while other banks are. at this time. I understand these are stressful times for all but adding stress at any age weakens one 's immune system. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: Revenue Assistance Corporation dba Revenue Group
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was looking at a collection noticed I received and I noticed that a medical debt was transferred in my name to a 3rd party agency. I did not give permission for this third party to receive my medical information. This is a violation of my hippa privacy rights as I did not authorize my information to be transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My escrow account was debited twice for a single property tax payment. This error is reflected throughout my escrow account history up to the present day, and resulted in the assessment of a higher mortgage payment due to the escrow balance falling below the minimum requirement. The lender refuses to acknowledge the error, but did allude to data conversion issues during the time period in question.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Ditech Financial LLC
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I have been working with Di-Tech Financial in regards to my loan modification. I have sent numerous faxes followed up by many phone calls. Everytime I speak to someone, they always request the same information that was sent prior to my follow up. When I try to speak to an agent, their voicemails are full and I have to call back. I am usually on hold no less than 15 minutes only to find out the person I was speaking with is not the correct contact person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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: Account information incorrect

Complaint:
so I have been challenging a account by the name XXXX XXXX from my consumer report with equifax. when I challenge this account I base it off of the blatant errors reporting. I feel as tho equifax is choosing to non comply. I have attached my recent letters and proof of my updated consumer report showing errors still. I have given equifax the respectful time to complete there dispute process. 

XX/XX/XXXX I sent equifax a letter based on the fact they were still reporting this account to be open but the last payment was XX/XX/XXXX. 

XX/XX/XXXX I wrote equifax a letter based on excerising my rights 15 U.S.C 6802 because I felt as if they were violating my rights to privacy by continuing to report inaccurate information after I had been previously had been putting them on notice with proof that this account was reporting inaccurately. 

XX/XX/XXXX I decided to pull a updated consumer report form XXXX to see if equifax fixed or complied of my previous request. 

to my findings nothing was updated or investigated. I feel as tho equifax again failed to comply. the addresses i use are XXXX XXXX XXXX, XXXX, GA, XXXX and XXXX XXXX XXXX, XXXX, GA XXXX these address are listed on their credit reports as a dispute mailing address and website. 

equifax is still reporting errors. the accounts status is wrong, the date of 1st deliquency and deliquency first reported is wrong. the date reported is wrong. the date of last payment reads XX/XX/XXXX but the payment history shows 60 days late that date. the date of 1st delinquency reads XX/XX/XXXX but there're no data on that date in the payment history. the comments section doesn't specify a notice of dispute. the closed date is missing even tho this is a closed account. I also pulled a new smart credit report dated XX/XX/XXXX and noticed this account is still reporting errors and inconsistent information. they keep reporting this as a open account for some reason. I have done my part as a consumer to notify them of their mistakes and they dont respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are two accounts on my credit report that do not belong to me I need this off my credit since this is not mine and I did not authorize these cards to be taken out or used for that matter XXXX XXXX - Acct # XXXX Amt {$0.00} XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Ditech Financial LLC
State: HI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with DITECH. I came out of XXXX XXXX bankruptcy on XXXX XXXX, 2016 and DITECH was notified of such on XXXX XXXX, 2016. However DITECH still has my account under bankruptcy status preventing me from being able to refinance. I had my attorney send DITECH a letter requesting change in status but there was no response. DITECH refuses to communicate with me. I need the status updated.

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act CXXXX : accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXept of EdXXXX XXXX XXXX US Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A states i have the right to privacy / 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2020-07-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have called XXXX XXXX  and ask them to send me a copy of the signature of the original loan paper they informed me the could no send me the.copy because they did not have a copy of the signed paper. Yet Equifax keeps saying it was verified I have asked Equifax to send me the copy of the signed copy they have yet to send me anything showing it was verified. By law they have to send me this information or delete XXXX XXXX I never took out a loan for {$5000.00} from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: EQUIFAX, INC.
State: AR
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 found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The credit bureaus ( XXXX, XXXX, transunion ) were notified and were given a chance to verify and correct bankruptcy information in my credit report. They responded that the information was provided by XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX and was given a report that had no information regarding any bankruptcy. I sent the credit bureaus a copy of the report showing that there was no bankruptcy on my file and they still haven't changed this information. I provided the documentation sent and the updated consumer report for someone to follow up. Please have someone manually review my file

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 2020-07-22
Company: AFNI INC.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today I received a notification on my credit there was a new derogatory account being reported by AFNI Inc for a missed payment in XX/XX/XXXX on a balance of {$200.00}. 

The account being reported did not give enough information to determine what this was -- and as a prior victim of identity theft -- I reached out to the company to determine what this was in regards to. 

Furthermore, the account is being reported as being opened on XX/XX/XXXX, and I my credit has been frozen since last year as a result of the identity theft -- I knew this could not be my account and I have not opened any new accounts since then. 

After speaking with XXXX of AFNI, she read a statement to me that AFNI could not sue me for this debt but mentioned they opened the account with their office on XX/XX/XXXX but the account was for a charge with XXXX XXXX on XX/XX/XXXX. Not only is this company attempting to collect incredibly old debts, they are doing so without contacting me first to allow me to dispute the debt. My information on my credit profile is up to date and in the event they were to mail me or call me ( same number since XXXX ) they would've been able to alert me of this before reporting this to the credit bureaus causing harm to my score. 

I want this removed from my credit report immediately as this is not in line with fair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Transunion credit agency continues to report XXXX being owed to XXXX XXXX XXXX which was purchased from original creditor XXXX XXXX. This has been removed from the other two credit bureaus.

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