BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act. the lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 Section 602A. States I have the the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also state
s a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years. 

US Department of Education : XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am emailing you in regards to our mortgage, it has been bought out several times, the current company is called Ditech. We originally purchased our home XX/XX/XXXX, with a 30 YEAR FIXED RATE.. I recently got on Ditechs online customer website. Our mortgage maturity date is listed as the year XXXX!! I have called the company several times and have either not got a returned phone call or " well this is how it is figured ''. Anyone can look an see that there is no possible way this is correct! We have lived here for almost 14 years, the maturity date should be XX/XX/XXXX. Somehow 17 years has been added to the loan and I can not get no one to look into the matter or a reasonable explanation. Yes, we had XXXX modification BUT they dropped the interest rate from 6.25 to 4 percent ... I also, want copies of all documents in my mortgage file, am I legally allowed access to this? If nothing is done this will have us paying over XXXX $ for a XXXX $ home. Any help would be greatly appreciated!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: Express Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was with XXXX for XXXX+ years. I decided to not renew because I was not satisfied with them. I was on a month to month contract, but, to simplify my life I just paid it annually in advance each year. The last renewal bill I did not pay. I switched alarm companies in XXXX. That same month I got a call from XXXX XXXX asking why I did not renew. I told the supervisor why and he stated he was sorry and asked what he could do to keep me as a customer. I told him I already switched XXXX and there was nothing. He said he would get back to me with a proposal anyway, I said fine, just email it to me. 
I never got that email and therefore did not even think about it. Sine that phone call I sold my home, purchased another and never gave this issue another thought until early this year, I noticed a collections on my credit report. They are claiming I owe {$330.00} for alarm services. Then I got to thinking about what happened. I had some questions. 1 ) Why are they charging me for almost a full year of service? 2 ) Why did n't the supervisor tell me this on the phone in XXXX when he knew I was with another company? 3 ) How long does it take to cancel a service for non payment? 
I called XXXX XXXX and they said they do not have the records anymore I have to deal with the collections company. 
I sent certified letters to the collection agency ( attached ) trying to resolve this and they are refusing my offer. I offered paying up to the time in XXXX that I spoke with the supervisor even though I feel I owe nothing. I think it is more than fair. I now understand that they require an advanced written notice to cancel. I think the supervisor had an obligation to notify me of this when I spoke to him on the phone. There was no way for me to know or remember this procedure from XXXX years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-24
Company: GREAT LAKES
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:
1. Sold a consolidated loan but it was not disclosed that this would disqualify me from receiving teacher loan forgiveness programs. 
2. Later, refused to 'receive ' my application for in-school deferment. I had to give up eventually. 
3. Enrolled me in a low income repayment program without disclosing this would be taxable, and that it would capitalize. 
4. When I began making standard payments on a standard repayment plan, I called to ensure my loans would not again capitalize ( as they had only months before ), I was assured they would not, and they were. So, the {$15000.00} or so I paid in 2016 resulted in a principal balance that was {$1000.00} more than I had had one year prior. 
5. They robo called initially. 
6. They NEVER respond to email. They do not record calls in California. The documentation they send is impossible to understand without a XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A check was sent to XXXX  XXXX XXXX. when the check was deposited at Huntington Bank, my account number was entered wrong and my bank XXXX XXXX rejected the check back to Huntington Bank as NSF. Had my proper account number been entered the check would have been cashed. There was more than enough funds to cover the debt. I am being charged for a NSF fee that wasn't my fault. XXXX  XXXX XXXX  insists that they provided the correct account number but proof shows that the account number provided to Huntington was incorrect. It does not match the account number preprinted on the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: BTH Management
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Creditor did not give me a chance to pay it prior to it being placed on my credit as a collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
A rushcard card holder. Due to system issues could not access my funds today. Called customer service several times. Call dropped XXXX times, disconnected after being placed on hold by a rep. Finally spoke to a rep who told me would have access within XXXX hrs. Several hours later still no access to funds and called back and was told they are still working on the issue but nothing could be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My name is XXXX XXXX ( formerly XXXX XXXX ) and I attended the University XXXX XXXX during which time I took out loans. I applied for teacher loan forgiveness in XXXX  and was denied by XXXX XXXX XXXX XXXX XXXX ( XXXX ) and wasnt given a reason why. My loans later got transferred to Navient. 
I also have read that Navient reached a {$1.00} XXXX settlement deal over allegations that the company engaged in unfair and deceptive loan practices. I have read the many reports that ACS also closed down to faulty practices.

I paid off all my loans totaling {$23000.00} but I should have had those loans forgiven because I have been a special education teacher in a low income school for the past 15+ years and I made at least 120 qualifying payments. I have read up on the various lawsuits and see that customers are entitled to restitution for that money that I paid that I shouldve had forgiven. 
Can you tell me next steps to insure I get full restitution ( I believe it is {$17000.00} ) for my service as a special education teacher in a low income school? 
Thanks, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Scheer, Green & Burke L.P.A.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX, ( XXXX ), has contacted my husband and I many times the past year to collect a debt that we did not know we owed. We got a pack in the mail issuing us to go to court so we called them and they said if you send in a paper stating a payment plan that could be set up, have it notarized, send it back within a week than we would n't have to go to court. We wrote out a paper stating that we would pay {$150.00} a month till it was paid off that same day, had it notarized and faxed it over and called to confirm they received it. While paying them they were very rude about any questions that we had and regularly gave us the run around when trying to find out how much we had left to pay or even if they were getting the payments. Many times they hung up on us or would simply put us on hold till we hung up. We had one gentleman that works for them call us at XXXX at night to ask if we sent a payment in and when we asked who it was he hung up on my husband. The law office works very strangely and is not very nice. We eventually got in contact with who the debt was originally through and made a settlement offer through them. When they approved the deal, they contacted XXXX and told them we could pay off the loan in the amount of {$2000.00} on XXXX XXXX 2015. We made the check out and sent it in and asked for a paper just stating that the debt was paid off and we did n't have to worry about it anymore and they never returned our calls or sent us anything in the mail. A receptionist called my husband 2 weeks ago on XXXX XXXX 2015 and asked if the debt was paid off. He said yes and we are still waiting on a paper confirming it. The lady rudely said that it was cleared up on their end and hung up the phone. We still have not received a paper confirming the debt payoff.

Company response to consumer: Closed
Consumer complaint received 2016-11-28
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
To be honest the closest description would be lack of information because I have not received any notification in 4 years that I have an outstanding balance. I did not even know this debt existed up until about about 4 months ago. It almost seems like they 're letting the interest build up purposefully. I can not verify from either parties if this debt is even mine because I have not heard a peep from either of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-05-18
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:
FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$4700.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Account charged off. {$3500.00} written off. {$4300.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$4400.00} XXXX Account charged off. {$4400.00} written off. {$4400.00} past due as of XXXX XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$14000.00} XXXX Account charged off. {$14000.00} written off. {$14000.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$6600.00} XXXX Account charged off. {$6600.00} written off. {$6600.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Collection account. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Collection account. {$4900.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3200.00} Status Collection account. {$3200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$4300.00} XXXX XXXX account. {$43.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Ditech Financial last year when I refinanced. I have had issues with them responding to any questions I send. I have asked if they were going to assess my account as the previous company had done to ensure that the payments going into escrow will cover taxes/insurance. I got a letter stating they were looking into it. Then I got a letter stating that they were not supposed to assess my account until next year but they were going ahead and assessing it. That has been a few months ago. After I got that letter, I sent another message and explained that I was n't asking them to go ahead and assess it, I was just asking if they ever assess the accounts. I did n't want to owe a lump sum because they had not assessed it. I got another letter in the mail stating they were looking into it. I got my statement for the XX/XX/XXXX payment and the payment amount has gone up by a few dollars but there is no explanation and nothing to show they have assessed my account. I have had a lot of problems getting any response from them and if I do, it 's months later. I do n't know what agency is best to report them to or to try to get help from. I want timely answers to my questions. I have had a few previous mortgage companies and they always responded within 48 hours most of the time less than 24 hours and this company always mails letters stating they are looking into it so it 's always a few months before I ever get a response. I have sent another message and asked why the payment went up and expressed how I hate getting letters in the mail stating they are looking into it. I also explained that I hate that it takes a few months to get a real answer. I am so unhappy with this company that I put a note on every message and payment to please sell my account to someone else who has better customer service. I do n't understand not being able to get quick answers on my account. If this is not the place I need to report them to, please tell me what agency I need to contact for help. I am looking at refinancing just to get away from this company. 

Thanks for any help, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX XXXX Account # 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 2016-04-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The below " also-known-as '' names were quoted in my XXXX, 2016 credit report, I have NEVER been known under these names, please DELETE them : XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Greentree Servicing harassed myself and my family via our home phone by calling multiple times per day every day between the hours of XXXX and XXXX. I was afraid to answer my phone and eventually disconnected my answering machine due to the harassment. Also, we applied for loan modification and restructure and for many months GreenTree kept insisting on more bank statements and would not make a decision. Also, when I would try to pay by phone, they made me pay a service charge for the payment not to be considered late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: TD BANK US HOLDING COMPANY
State: LA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This company is still reporting a account on my file after i been notified that i have been a victim of identity theft and that i have all the necessary paperwork filed and police reports to support my claim. I 'm in the process of getting a mortgage and this account is hurting me and it is being listed as bankruptcy. I also have a fraudulent bankruptcy filing that I 'm working with the courts and the government to get that issue rectified. I have been dealing with this issue for years now with all my personal information being stolen such as social security number, address, DOB, phone numbers opened under my name and bank accounts opened under my name. I request this company remove my name and social from this account immediately and mark it as fraud so if i choose to do business with this company in the future this issue wo n't stop me. I have attached my police reports and FTC fraud identity theft affidavit which has a letter from the government showing that my identity was stolen in a cyber hack also.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I notified TD Bank in writing that I filed a Chapter XXXX Bankruptcy Petition in the XXXX XXXX Bankruptcy Court on XXXX XXXX, 2016 in case no XXXX and that they needed to stop plundering my bank accounts in overdraft charges, finance fees, and other plunders because my XXXX checking accounts ( ending in XXXX and XXXX ) were both in the negative and they needed to cease and desist. However, in direct violation of the federal automatic bankruptcy stay, these criminal bankers continued to plunder my bank accounts anyway, with {$35.00} here, and {$75.00} there, and {$100.00} there etc, over and over again, to the tune of almost {$1000.00} in fraudulent bank charges which have driven me even further into debt, thus not even allowing me to pay my child support, food bills, and other important things. Even though I called them repeatedly and spoke to someone named XXXX in the XXXX branch who said she was a supervisor on or about XXXX XXXX, 2016, she cruelly and meanly told me she did not care about my bankruptcy and that she would not be returning any of these ill-gotten plundered bank fees and charges to me, and that they would stay as the property of TD Bank. Because of this behavior, and if I do not get a response soon, I will be filing a contempt of court motion against TD Bank for criminal and civil sanctions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was issued a company cell phone for work. This phone has been receiving debt collection calls on the avg of XXXX per day. I have explained to the callers that this is a business phone and we have no relationship to the person that they are trying to reach. When I answer the phone as the company representative, they hang up.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I had been paying off my XXXX bill after I switched phone carriers. I was paying what I could and I would receive new updated billings. Then, without notification my balance due of {$140.00} was turned over to debt collector. 
As someone who was paying off as much as I could and making progress I feel that it was wrong to turn this over to a debt collector. 
XXXX XXXX ( XXXX ) XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation