BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-10
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a 30 year fixed mortgage with DiTech, however the keep changing the monthly due amounts every month. It has been changed 3 times in 3 months, going up, then down, then up higher. each time a {$20.00} difference So when they do n't receive the exact amount and received the amount that is the same as the previous month they charge a late fee. The late fee is bigger than the difference in the payment amount.  <P/> They do not send statements on time, so they are trying to trick me, an successes in paying different amounts. This is a game of gotcha

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Consumer Portfolio Services, Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Consumer portfolio services opened XX/XX/2017, This account was XXXX XXXX XXXX and sold due total loss. In accordance with the fair credit reporting act. has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666bB : a creditor may not treat a payment on and account under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Shellpoint Partners, LLC
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:
In XXXX of 2020. I got an alert from XXXX. XXXX that I was over 30 days. I called, they ask that I forward an email to them explaining.. by, their records- I had never been late. I forward a letter to them w/credit report, in a dispute - the 30 days on the XXXX went away,. 

Now it has came back.. 

I put a dispute in again with XXXX ( which is a Joke ) couple of weeks ago and I received a letter from the mortgage company ( Shellpoint ) Stating I had never been late, EVER. Again, I got ahold of mortgage company and they said to file another dispute with XXXX, because I do not show late. Cause, they are the ones that causing this. Which I have again 3 times.. no one is taking the responsibility for this as I am in the middle and it is effecting my XXXX score.. This is way the Dispute.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Experian Information Solutions Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
I sent a Certified letter to both XXXX  and Experian asking them to validate the debt from XXXX back in XX/XX/2021. The account was not validated and the information that is reporting is still not correct. The account is paid. Both agencies are reporting different information, neither is correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Southwest Business Corporation
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is reference to SWBC Loan # : XXXX. 
Property address : XXXX XXXX XXXX XXXX CO XXXX Please note that I had recently sold my home XX/XX/21 and need to address this retrospectively since I was unable to resolve this after numerous attempts to contact both XXXX and the USDA who handled the payback of the forbearance prior to my house closing. 

This is in regards to the payback of a 6 month forbearance that I had with the swbc. 
When it came time for the proceeds of my home sale to pay off my mortgage balance and forbearance there was a discrepancy in the amount that they had me pay back versus the actual amount of the forbearance. 
The forbearance period was for 6 months with no penalties or interest as per the documentation I was provided. 
However, the mortgage payments were XXXX per month for 6 months. This would make the amount owed XXXX not the XXXX I was ordered to pay the to U.S. Department of Housing and Urban Developement. 
My calculations show that there is a discrepancy of approximately one month of mortgage payment that I am owed as a refund for overpayment due to them not giving me the opportunity to resolve this beforehand. 

I had after spending numerous hours finally reached the USDA and spoke to someone on an escalated call in a desperate attempt at resolving this and they informed me that I had to consult with SWBC mortgage in regards to this issue. I then if course attempted to no avail contacting swbc and have also spent numerous hours both being on hold and then being transferred to incorrect customer service agents on their primary customer service number. This is in addition to of course calling the assigned forbearance executive resolution number at XXXX. On this is number they do not answer and ask the consumer to leave a message assuring they would get back to you within 48 hours. Ive been leaving multiple messages over the course of the past 2 weeks week and have yet to receive a response which is what has prompted me to finally make this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: SECURITY FINANCE CORP
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My loan is for {$1200.00}. They are reporting my balance as {$1500.00}, which is causing my credit score to drop since the balance is higher than the high credit amount. They tell me this is the finance charge and that all installment debt is done this way and that is not true. My auto loans never reported that way. I believe they are doing this intentionally to hurt my scores so I'm not able to go to a more reputable place to borrow money.

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 2020-02-28
Company: Experian Information Solutions Inc.
State: PA
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'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I have contacted the FTC and the police here. These items need to be deleted from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I saw alot of inquiries as well XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Im doing this on my own behalf.

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 2021-05-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls from Portfolio Recovery service multiple times a day for several days. I do not have any outstanding debt so there is no reason for anyone to contact me regarding debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I pulled my credit report in  XXXX  o f 2017 and noticed t here were  XXXX  capital one bank credit cards opened in my name.  One with a {$300.00} dollar credit limit and the other with a {$500.00} dollar credit limit. These accounts do not belong to me. I have never opened them. And I owe them no one because they were a result of fraud. When I contact Capital one fraud departme nt they say it is going to stay on my report because all the information is correct. And there is nothing I can do about this. Please help me get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan payment was due XX/XX/XXXX. I have made on time payments for 7 years.Never late. My payment the was scheduled didn't get processed. XX/XX/XXXX I made another payment-but navient made me pay for XXXX and XXXX {$1400.00}. I had no other option. XX/XX/XXXX my cosigners received calls at XXXX saying my loans are past due and going into collections. I called navient today and they said they have not received a payment. Even though I showed that I payed. They said that payment XX/XX/XXXX was canceled. So I payed again today {$1400.00}, bc they have called my cosigners and sending emails to all of us. 

Now they have 4 monthly payments from me after lying saying I didn't make any payments. 

I called and they said they can't do anything about it. That both payments are getting processed. They then said we will have a conference call with my bank and proceed to leave me out of the conference call. They also said I would be denied for cosigners release because I was delinquent on a payment that I payed for already. I will be reimbursed the money in 5-10 business days in which all my checks will bounce. 


They wanted me to go delinquent on my loan. Making me pay for XXXX a month in advance. They processed my payment late, said the payment didn't exist and made me pay again after calling all my cosigners. I have been harassed and bullied by navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021, XXXX XXXX XXXX XXXX XXXX issued a 1099-C for a charged off loan I had in the past. According to the 1099-C I am no longer responsible for this debt and is is considered resolved and unable to be collected upon. This also means the account must be deleted from all credit reporting bureaus. Please do so immediately so this can be resolved. I have attached the issued 1099-C.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
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: Account information incorrect

Complaint:
I have repeatedly asked for verification and XXXX, Equifax, and XXXX  not show how it was verified or any proof of verification. This constantly incorrect information is destroying my life and preventing me from getting a mortgage to save my house from being taken from the bank. I need help. All the negative information being reported is related to fraud and XXXX, Equifax, and XXXX  just keep updating even though I have shown them the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I have contacted the FTC and the police here. These items need to be deleted from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX. I saw alot of inquiries as well XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Im doing this on my own behalf.

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 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I started disputing the inaccuracy of the public record items ( XXXX** AND XXXX** )  being reported on my credit XX/XX/XXXX. I asked TransUnion to provide me a method of verification and TransUnion responded by saying the USBK Court XX/XX/XXXX Mississippi, XXXX XXXX XXXX, XXXX, MS XXXX validated this information. I then wrote the court a letter asking if they reported or validated such information to credit bureas and they responded, NO they do not report, validate or confirm bankruptcy case filings to the credit bureaus. So I then mailed that letter along with the letter TransUnion sent me saying the court validated this information and asked them to deleted and TransUnion responded by sending me a computer generated letter, which i know is STALL TACTIC, in hopes that I would give up. My credit is important to me and making sure accurate information is reported only on my credit is important. TransUnion sent a letter dated XX/XX/XXXX saying USBK Court XX/XX/XXXXMississippi, XXXX XXXX XXXX, XXXX, MS XXXX validated this information. I then mailed ANOTHER dispute letter asking them to stop validating this inaccurate information and to delete immediately. TransUnion responded to that dispute letteron XX/XX/XXXX and now is saying USBK Court XX/XX/XXXX Mississippi, XXXX XXXX XXXX, XXXX XXXX, LA validated this information. HOW IS THAT POSSIBLE? XXXX XXXX XXXX, XXXX XXXX, LA pulls up ABOSULTELY NOTHING when XXXX  searched and WHY WOULD A COURTHOUSE BASED IN MISSISSIPPI HAVE AN ADDRESS IN LOUSIANA?. That makes NO SENSE! This is an APPARENT NEGLECT ON TRANSUNIONS BEHALF! They are literally PURPOSELY PUTTING INACCURATE INFORMATION ON MY REPORT AND I WILL NOT ALLOW THIS. DELETE THIS INFORMATION IMMEDIATELY. I am fully prepared to take legal action if not deleted immediately. I HAVE ATTACHED ALL PROOF.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
I XXXX XXXX paid off a vehicle lease several years ago. However, the loan company Nissan-Infinity still has me reported with a balance of {$350.00}. That is not possible if this same company shows the lease status as a full termination. I have protested this reporting with XXXX and the matter was not sufficiently completed with a proper reinvestigation. Accordingly, I believe the matter should get resolved, whereas the balance should show as XXXX. This correction is necessary to fulfill the obligation of Nissan-Infinity with XXXX  under their subscriber agreement with the credit reporting agencies in general. This credit item needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: ALLY FINANCIAL INC.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is not regarding my loan and I am not a customer with Ally. On XX/XX/XXXX a representative named XXXX at XXXX extension XXXX contacted my wife 's nephew ( XXXX XXXX ) in regards to his XXXX XXXX but she did not call my wife directly, she contacted Mr. XXXX 's step mother and left a message as this " This message is for XXXX XXXX my name is XXXX I am calling in reference to XXXX XXXX and XXXX XXXX ''. My wife 's last name is not XXXX. Back in XXXX my wife assisted our very young nephew with an extension fee payment and having a conversation with his Ally account. When my wife called and spoke with XXXX ... XXXX 's exact words were " You are left as an authorized user ''. ( Last time I checked authorized users were not for auto loans ). My wife tried to explain in detail what happened and why her name was on the account and asked for no more calls instead XXXX hung up on her. My wife called back and spoke with a supervisor who agreed to remove her number. Today I received a voicemail from the same XXXX. I'm only associated to your customer through marriage. He is not my direct relative. Not only did I receive a voicemail but this XXXX felt it was necessary to contact MY MOTHER! My mother who has absolutely ZERO association to your customer. She has only met XXXX maybe a handful of times and that is it. This is absolutely ridiculous and a violation of the consumers personal rights. I myself will be taking this a step further and hiring an attorney after the harassment that I endured. There is ZERO reason for XXXX to be contacting 3rd parties who are not associated with the loan. When I called to file the complain the rep who I had on the phone had the audacity to ask if I could have the customer call in to tell them to remove the numbers. I told per law he is to remove any numbers when asked to.

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 2022-04-04
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: Was not notified of investigation status or results

Complaint:
I have reached out to the credit Bureaus over 30 days ago and I am yet to receive a response, these items on my credit report are inaccurate and I demand to have them deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Afterpay US Services, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Im the span of 15 minutes I have received 15 calls from the same number. I couldnt answer as I was already on the phone with a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: ProCollect, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter fr om Procollect offering  a settlement and deletion from my credit reports. I contacted them on  XXXX   XXXX  in reference to this letter and paid the settlement and was told the collection would be deleted on  XXXX   XXXX .   To date the collection has not been deleted and still shows full balance due. I have contact ed Procollect twice about this, once spoke with a supervisor, both times being told my balance is {$0.00} and thi s is no longer their issue and was then hung up on by both associate and supervisor when I started to ask questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have written to XXXX three times requesting proof that that I was late and properly charged off. All they do is to write me and say that I was late. That is not sufficient proof. They should be providing copies of every monthly statement showing that I was in fact late ... just like they would have to do if they were going to Court to prove up their case.

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 2020-02-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am in the middle of the home buying process and my lender indicated that they are not able to pull my Equifax credit report because it is being flagged for consumer fraud. When I contacted Equifax, they said they need to verify my identity and to fax over my driver 's license and social security card. They would not provide me with any information even though I have answered all of their verification questions correct. I have faxed in my information 3 times and still no response. When I call to follow up, they say there is nothing they can do for me. This is causing an extreme hardship for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Block, Inc.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have now received a 4th unwanted, unsolicited CashApp card in the mail in the space of 2 months.

I have now spend over three hours of my life trying to close down fraudulent accounts that I had nothing to do with opening.

Company response to consumer: Closed with explanation