BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-09
Company: Ditech Financial LLC
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had and account with XXXX XXXX that was transferred to Green Tree. Since the transfer in XX/XX/XXXX, Green Tree has used unfair tactics to harass me. A day after I am late for a payment they call none stop from the beginning of the morning until late at night until the payment is made. At the end of XX/XX/2015, they left a message on my ex-husbands voicemail at this home. The message stated that they were taking me to court. They provided him with details of my account and provided him with a bogus court hearing number. They also left a threat on his voicemail stating they were coming to my job or house to serve me with a lawsuit. On XX/XX/XXXX, Green Tree sent a letter apologizing for an error on a bill sent on XXXX/XXXX/15 erroneously included information that I was in default. As a result, I have been receiving calls from other lenders asking if I was in default. This error was reported on my credit report and corrections must be made to my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
MY INFORMATION ON MY CREDIT REPORT IS INCORRECT PLEASE SOLVE THIS. MY ADDRESS ACCOUNTS ON REPORT AND EVERYTHING IS INCORRECT!!!! 

I am a victim of identity theft and Im writing to you to dispute the fraudulent accounts in my file that I did not make or authorize. I have circled the items Im disputing on the attached copy of my credit report. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be removed.

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 2016-05-12
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I contacted Ditech, my current company, about refinancing my XXXX mortgage and the service rep that I was assigned to said I qualified for a XXXX refinance. And he stated that the only documentation that I would need would be a home owner 's insurance policy XXXX page. I currently have a 3.5 % interest rate with Ditech. I only owe 20 more years, and XXXX. They are quoting me a rate of XXXX, 30 year fixed, in which I have to buy down my rate??? ( which is higher than my current rate ) and tack on {$4400.00} in fees to save a measly {$110.00} a month and pay for 10 more years than I currently owe. This makes no sense. When I look online it says XXXX rates are XXXX percent not, XXXX percent. And on the XXXX website it says I should expect around 1.5 % in fees associated with the refinance, which would only be {$1700.00}, not {$4400.00}. I have sent them several emails asking why the rate is higher than posted rates ; I have asked why they are adding in {$4400.00} in costs, and they have not responded. I do n't think they should take advantage of homeowners in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Due to severe financial difficulties, I was in a loan modification process with Green Tree for 9 months ( XX/XX/XXXX - XX/XX/XXXX ) after completing numerous " Uniform Borrower Assistance Forms '' and was continuously rejected. The reason was always that documents were missing, which was not true and I have the documents to prove it. I should have qualified for a loan modification based on my income and financial circumstances. On XXXX XXXX, XXXX, after I received another rejection from Green Tree for a loan modification, I called Green Tree for a reinstatement amount since I was worried about loosing my home. I forwarded a cashier 's check in the amount quoted by Green Tree over the phone on XXXX XXXX, XXXX ( only 19 days after receiving the written rejection for a loan modification ) and have since then paid my " Regular Monthly Payment '' in accordance with Green Tree 's monthly billing statement. Despite these facts, Green Tree filed for foreclosure proceedings on XXXX XXXX, XXXX ( please note that the date is after the reinstatement amount was paid in full ) and added all kind of legal fees to my account without any kind of written statement, letter nor invoice. The mortgage document requires all notices to be in writing, which Green Tree did not do. I have even been accepted by XXXX XXXX XXXX XXXX on a pro bono basis since these actions by Green Tree are not legal, however, they are refusing to remove the charges from my account and are now threatening foreclosure again. I have an entire folder of correspondences between Green Tree and myself over this entire period and we seem to be going in circles at this time. It is very frustrating since Green Tree is a debt collector and not a mortgage company and it seems impossible to deal with them in a professional manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have been making payments on my mortgage and instead of applying them to my principal/interest/payment, they put it in " unapplied funds. '' Numbers ( amounts ) and payment dates are not matching up with actual amounts and actual dates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, Bankruptcy # 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 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 than seven years. 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 than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2015-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had a number of tax liens that I have seen paid and satisfied with the State of Ohio. Once I received the notices of satisfaction and after I filed the paperwork and paid the necessary fees with the courthouses, XXXX and XXXX County, I then sent copies to all of the credit reporting agencies. Several of the liens have been deleted. Others still remain. Transunion still reports XXXX. XXXX still reports XXXX. XXXX still reports XXXX and XXXX all of which have been paid and released and I have sent supporting paperwork multiple times. Each time I dispute, they will reinvestigate and confirm but will not delete. However, several other liens were deleted upon request. It is difficult for me to understand the randomn action. I am rebuilding my credit and the liens will hold me back in terms of my score and will make it continuously difficult for me and my new family to prosper. I am asking this board to investigate if needed/and or direct the credit agencies mentioned here to deleted the aformentioned liens on my reports. Thank you and I appreciate any help you can provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquires be removed.

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 2016-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A hard credit inquiry appeared on my credit report from XXXX XXXX which was not mine. I have never banked with XXXX XXXX, and I have never applied for anything from XXXX XXXX. After further investigation, the credit inquiry appeared under a different name than mine. I then saw on my credit report that the other person 's name ( we share the same first name, but not last ) along with his addresses and phone numbers appeared on my Transunion credit report. I called Transunion, and they were able to remove his name, phone numbers, and addresses off of my credit report. They told me, however, they would be unable to remove the inquiry without a letter of denial from XXXX XXXX. When I called XXXX XXXX, they told me they were unable to provide me with a letter of denial since my name and SSN did not appear in their records ( which makes sense, since I have never applied for anything from them ever before ). After calling Transunion back and talking to a supervisor, they assured me there was nothing they could do about it, and I would just " need to wait the two years '', even though on their own credit report it acknowledges that the inquiry is not in my name and is not mine.

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 2016-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TransUnion is the only credit reporting agency reporting inaccurate information of the bureaus in this case. After disputing numerous accounts that are inaccurately being reported on my credit report, TransUnion failed to delete the inaccurate accounts and continue to refuse to provide me with acceptable proof of the documents used to unequivocally verify and determine the XXXX credit card accounts ownership. As of now, TransUnion is in violation of federal law as the 30 days allotted have passed and the referenced account has not be sufficiently been verified. Under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to " ... promptly delete all information that can not be verified '' that has been disputed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On or just before XXXX/XXXX/2015 after reviewing my credit report on XXXX I disputed a judgement that was filed in error by the Georgia XXXX XXXX XXXX at the XXXX County Superior Court with Transunion. I reported to them that the information never went to judgement and was filed in error. However, after receiving my dispute letter they stated the item I dispute is frivolous and they will not reinvestigated unless I had court papers or a authentic letter that explains what information should be updated. On XXXX/XXXX/2015, I called and spoke to a representative who stated they would take this information off of my credit report unless I provided documentation of this being placed on my report in error. I then explained to her that the Ga XXXX specifically states on their website that they do not report to credit agencies and they will not provide information to them. Therefore based on these facts I ca n't get them to remove this incorrect information from my credit report. I also explained to the person I spoke with at Transunion and told her that I have a copy of my email correspondence with the auditor at the Ga XXXX which specifically states that the lein was filed in error and I was told that they would not investigate unless I get the information from the state Of Georgia which they will not get involved in.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: CONST LLC
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The company CONST LLC also known as MyConstant  and MyconstantXXXX has suddenly shut down with no explanation to investors. CONST LLC ( MyConstant ) is a platform that operates like a XXXX  loan for peer to peer lenders to connect with cXXXX XXXX XXXX XXXX XXXX  are able to receive a USD cash loan by placing XXXX  as collateral for their loan. The loan is funded by a pool of money from USD cash investors. CONST LLC ( MyConstant ) portrayed to investors that their platform was unique because the collateral from borrowers would auto sell in the crypto market if prices fell bellow XXXX  % of loan value. Automatically refunding USD to investors and any remaining collateral to the borrower. They touted {$0.00} loss on their platform since inception because of their collateral backed, XXXX approach. On XX/XX/XXXX the company went XXXX. They informed all website users ( www.myconstant.com ) that they couldn't operate business as normal and would communicate a solution in 10 days. However, they immediately deleted and scrubbed all social media and methods of customer service contact. They changed their address on their website from XXXX CA to XXXX XXXX XXXX XXXX, XXXX, DE XXXX, XXXX on XX/XX/XXXX. I personally have {$5100.00} total : {$5000.00} ( loan investments and XXXX XXXX ) principle and {$100.00} interest invested with the company. As of XX/XX/XXXX, I can login to my Myconstant account and see that the total interest earned for investors remains growing rapidly but I am still unable to make any withdraws or request changes to any of my investments. Please assist me.

Company response to consumer: Untimely response
Consumer complaint received 2015-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I challenged this account because the date opened can not be correct. 
The response I received is : '' XXXX ErrorDispute ResultsIt looks like your dispute request has encountered XXXX or more errors. You can find the error codes below, along with a brief description. " There was no description or code as stated and so I called Transunion XXXX and an XXXX speaking lady told me that she would have to reissue the dispute and they would contact me back in 30 days. She said the error code was because of erroneous information I provided. I questioned what she meant by this. What was erroneous? She became infuriated. 
She stated again that I provided erroneous information. Her infuriation heightened I ended the call. 
XXXX has removed the deragatory information ( see copy ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/18, I decided to open a new bank account with Simple. I currently have an account with Capital One 360. Once the Simple account was opened, obviously I wanted to transfer funds over from my Capital One account however I received the message " Capital One is blocking you from enabling external applications ''. I called Capital One customer service to see if this could be bypassed and they simply told me there was nothing they could do because it's a " newer technology '' despite Simple being around for several years now. I understand this may be a security measure, but there's no reason they should get to decide for me what I can and can't do with my financial data.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
To whom it may concern ; I appreciate the email dated ( XXXX/XXXX/XXXX ) addressing some questions ; but avoids the real issues. As a consumer this is how it looks ; 1. We decided to participate in the XXXX XXXX program with the understanding that the award miles could be used to book flights with the XXXX partners ( XXXX ) under their current advertised mileage per seat/class. To our destination one way is XXXX miles for XXXX XXXX. 
2. We qualified for booking on XXXX/XXXX/XXXX or 332 days prior to our scheduled flight date of XXXX/XXXX/XXXX. 
3. Since this date, I have called every day to be told that XXXX does not have any inventory available, unless you book non-rewards. It is evident that availability is there, but not for REWARDS travel. 
4. I am told that AA has mileage rewards and can be booked at a higher cost ( more than doubled the cost ) at XXXX XXXX way for same class. 
If this is a partnership under one program, or advertised as such, and XXXX allows to book on their flights using mileage rewards at a higher cost, but XXXX does n't, then the consumer ( s ) in the program is forced to take the higher cost reward. In the real world, this is called " extortion ''. 
And of course, the award mileage levels will change on XXXX XXXX, XXXX. So, I would assume that any inventory that might become available would be after XXXX XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Me and my wife filed bankruptcy. It was dismissed on XX/XX/XXXX. We recently have inquired about buying a house. We were told that XXXX and Transunion were reporting a bankruptcy with no discharge or dismiss date. So I disputed with XXXX and Transunion. XXXX updated are credit report within 5 days. With the dismissed/closed XX/XX/XXXX. Transunion came back several days latter with " contractually liable debt '' So I disputed it again, after calling customer service. This time faxing my dispute with the supporting doc. again. Transunion came back again with the same outcome. So the third time I contacted Trans. I asked to speak with a supervisor and was told that they would need to open another investigation. I have sent the doc. from the US Bankruptcy court twice to them, and the supervisor acknowledged that they had it but could not update the credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-03
Company: CITIBANK, N.A.
State: AL
Product: Credit card
Issue: Other fee

Complaint:
I have a Home Depot Credit Card. I noticed that there was a {$2.00} interest charge that had been added. I called and was told that it was a mistake and they removed the charge. My concern is that how many people have " inadvertently '' had the {$2.00} charges added and did not notice it and paid it. I just want you to be aware that this happened in case it is a regular occurrence to scam customers.

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 2016-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
For the past XXXX month I 've had hard inquiry 's added then removed bringing my score up then down XXXX new inquiry 's

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 2016-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Transunion had a glitch in their system that violated the rights of their consumers under Section 6.11. As a result I have been greatly affected and my credit score is suffering as a result. No notice was ever given which is also a violation. I am requesting that all inquiries during this time be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-05
Company: Immediate Credit Recovery
State: NC
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been trying to pay a debt presumed owed to this collection agency. I have made XXXX to XXXX attempts but to no prevail. I have talked to a receptionist and they keep telling me to leave a message at another department so someone can call me back. I have yet to hear back from anyone to resolve this issue. I 'm trying to get financing on a house for my family. All I want to do is pay what is presumedly owed so this information can be removed from my credit file and credit report.

Company response to consumer: Closed with explanation