BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-29
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a refinance of a mortgage loan secured by an investment property in XXXX. The property is vested in the name of my revocable trust. I applied with GreenTree Servicing, my current loan servicer, which in turn got XXXX involved. During the application process, an employee of XXXX and then a couple of days later a title company employee asked for a " full copy '' of my trust agreement. When I asked the XXXX employee what her authority was for the request and asked whether they would accept a trust certification or memorandum of trust, I never received a response ( see emails attached ). Upon being asked by the title company, I did some research and learned that the law in XXXX is the same as XXXX where I reside. The XXXX statute 46A-10-1013, provides : " A person making a demand for the trust instrument in addition to a certification of trust or excerpts is liable for damages if the court determines that the person did not act in good faith in demanding the trust instrument. '' I offered to provide a trust certificate. As I see it, asking for a copy of the full trust agreement was unfair and made in bad faith. I am a XXXX so I know that conditioning the approval of the transaction upon the receipt of information that a lender is not otherwise entitled to could be viewed as abusive. How many unsuspecting borrowers are being asked to provide this information when a lender has other options and is clearly not entitled to receive it??? When is GreenTree going to get its act together? I cancelled the loan application and am looking to refi with another lender because I do not want to do business with any company that can not conform its activities to those that are lawful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: MO
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 list of accounts below has violated my federally protection consumer rights to privacy and confidentiality under 15U.S.C .1681 ... the accounts below has violated my rights. 15 U.S.C. section 602a state i have the right to privacy ... ..15 U.S.C 1681 1681c ( a ) ( 5 ) Section states : NO consumer reporting containing any of the following items of information any other adverse item of information, other than records of CONVICTIONS of crimes which antedates the reporter by more than 7 years. 15 U.S.C. 16811s-2 ( A ) ( 1 ) CHLD SUPRT XXXX XXXX XXXX CO XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The Complainant would have call his bank and inform them of the deliberate malicious schemes and campaigns that was occuring only to have said bank turn around and attempt to deliberately withhold The Complainant 's funds and then turn around and deliberately block his card access in an attempt to be XXXX and XXXX him. Those responsible should be fired

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Multiple wrong address information..on my XXXX, XXXX and Equifax credit files 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 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 ../.. 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-07
Company: Prosper Marketplace, Inc.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
in 2014, I got a loan from prosper. I had financial hardship and could not keep up with the loan payment. I tried to settle with prosper and was unsuccessful. Prosper has ruined my credit for the last 2 years. I just informed that they sold the loan. I would like prosper to rescind that sale and stop ruin my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This has been an ongoing issue with equifax since XX/XX/2015 to present. I have attempted numerous times to have identity theft information removed from my credit report with equifax. Instead of them removing the information they keep reinvestigating and not providing any documents, not providing my legal signature on a contract or any contracts at all. As one last ditch effort I mailed out another request to Equifax requesting to have these items removed and it has been 30 days with no response. NO CONTRACTS OR DOCUMENTS have been produced. I have also provided credit reports from XXXX and XXXX because they have complied and have removed this information and not reporting as EQUIFAX continues to do so. Equifax continues to apply stall tactics, not complying with FCRA and not complying with the law for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: PNC Bank N.A.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
When trying to change the account from which my monthly payments were automatically drawn from I was given untrue information from PNC bank which ended with XXXX payments being late and thus affecting my credit score. I have tried working with PNC to resolve the issue, but it has not been successful. I 'm simply looking for the recorded phone calls I 've had with PNC to be reviewed to prove their error and my credit score to be adjusted accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: TN
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 submitted a letter on XX/XX/2021 regarding unknown and inaccurate information on my credit report. As of this date ( XX/XX/2021 ), which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
3 1/2 years ago I move to XXXX from XXXX XXXX XXXX. I was trying to sell the house in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX on a short sale. My realtor and the broker were working with the mortgage company ( Green Tree Financial ) to try to sell the house. Several buyers were rejected by the mortgage company until two years ago in XXXX 2014 when I received a court order for what appears to be a foreclosure notice. In the court order it names XXXX, DBA XXXX as the note holder. After that I started receiving monthly bills for the mortgage from another company named DITEQ. At this point I do n't know if the foreclosure still ongoing. I have no idea who is handling the foreclosure notice ( either Green Tree financial or DITEQ ). Bottom line I need the foreclosure to be completed and stop this suspense that is causing nothing but health problems for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Ability Recovery Services, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company is attempting to collect a debt for a college I have never attended. I have made several attempts to have this company provide a signed copy of an agreement with my signature on it. The only thing they have provided is a ledger that has my name on it and a balance due. I have never attended this college or done any type of business with this college. This debt company has caused me significant monetary damage as it is affecting my credit. This is bullying by a debt collector attempting to collect a debt from the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: Deutsche Bank
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I received a private student loan from Deutsche Bank through the Affiliated Loan Program at XXXX University in XX/XX/XXXX. The loan was serviced through XXXX. Due to missed payments, the loan was sent to a collection agency called XXXX. After months of making payments to the collection agency, I was finally able to pay off the account in full in XX/XX/XXXX. I have documentation from the collection agency that the account has a XXXX balance. I was under the assumption that this information would be relayed to the original loan servicer ( XXXX ) and subsequently the original lender ( Deutsche Bank ). Upon receiving an updated copy of my XXXX credit report, the account in question is still displaying a balance of {$1100.00} and is displaying XXXX missed payments for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have worked extremely hard and have had to make some difficult decisions to get this student loan debt behind me and noting I do seems to be working. There has obviously been a major lapse in communication between the three parties listed above. All I want is to do is get my credit in order. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Trans-Fast Remittance LLC
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other service issues

Complaint:
hi I tried to send money thru online money transfer service trans-fast remittance llc XXXX 
after loggin in and sending money I received a email after XXXX min saying that my transaction has been cancelled. I called them to ask ehy then the rep. told me that because I failed security check that why not only they cancelled my transaction but also blocked my account so I can not ever use trans-fast again. I talked to supervisor and they gave me the same answer that because I failed in security check. 
I am 100 % sure that information I gave them is real and accurate. then why I should fail a such test. 
I asked them to recheck and do manual verification but they did not entertained my queries.

Company response to consumer: Closed
Consumer complaint received 2015-10-22
Company: Marlette Funding, LLC
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I was sent a preapproved offer from XXXX. I applied the very day that I got the offer, and my application was denied for credit reasons. 

If I was preapproved, how can they deny me because of something in my credit report? Their approval was supposedly based on my credit report. 

Text from the denial below : Re : Your loan applicationThank you for checking your rate for a Best Egg ( R ) loan. We regret that we are unable to approve your application at this time, for the following reason ( s ) : Insufficient credit lines established on open revolving accountsLack of revolving account historyToo many inquiries in the last 12 monthsInsufficient available credit on all open revolving accounts

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: SLM CORPORATION
State: MI
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:
I finished school around XXXX years ago. I had called sallie mae to pay my loan off. They gave me an incorrect balance. I have n't heard from them till 3 months ago and they would leave dozens of herassing phone calls. Apparently what happened is they did n't give me the correct balance to pay off. They said I still had a balance due. They state that I owe them the remaining balance with interest. They used the large sum of money I sent them earlier to make minimum payments over the XXXX years, and I am now past due. They never once sent me a statement in the XXXX years saying I owed any money. So in short, I thought I paid my loan off XXXX years ago, and today I am told I owe over {$10000.00} on a balance of {$7100.00} from XXXX years ago. They are refusing to work with me and when I ask them to send me paper info in the mail they say ok. In 3 months I have n't received any paperwork, other then the monthly statements they are now sending. I do n't feel it is right to make me pay interest on a loan I was told was paid off and never given a bill for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Global Recovery Group
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
Global Recovery Group contacted me about a payday loan they claim was taken out in my name. The XXXX data provided by Global is not mine and I unequivocally deny having taken out a payday loan or similar. Additionally, there has not been an attempt to collect from the payday loan company at any point. The " loan '' is not listed on my credit report nor have I received any notification from my credit monitor that a payday loan was applied for or given. I believe this to be a scam to collect on a non-existent or fraudulent loan.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-04
Company: Kriya Capital, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Creditor : XXXX  Account # : XXXX Creditor : XXXXXXXX XXXX Account # XXXX 15 U.S.C 1681 sec . 602 ( a ) states that I have the right to privacy 15 U.S.C 1681 sec. 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 related 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 2015-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Hello, I have received a mail dated back to XXXX/XXXX/2013 for a debt collection of the amount of {$170.00} from the Bank of America. 

I was never aware or notified of this debt by the bank. I believe this to be an unfair practice as I have never been notified or warned that this unknown debt would be sent straight to the collection agency XXXX XXXX XXXX. 

Not once have the collectors contacted me about this debt I owe to the Bank of America and now I receive this mail stating that I owe a certain amount without any reason as to why. If this were true and they communicated with me in an appropriate manner, I would have payed this off immediately without hesitating as this would affect my credit immensely.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Manhattan Beach Venture, LLC
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Called a student loan forgiveness loan department and they wanted me to pay a fee of {$500.00} after i gave them sensitive information. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: ERC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received a debt collection notice regarding a bank I do not have an account with XXXX XXXX  ), I believe this is a fraudulent mailing- dated XXXX XXXX from ERC XXXX XXXX XXXX XXXX XXXX FL XXXX I am invited to 'pay with cash at XXXX and & - XXXX XXXX  '' in the amount of {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: FirstPoint Collection Resources
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
These debt collectors are calling pertaining a bill from XXXX hospital that I have spoken to them and explained that the bill XXXX that I had back in 2014. I told them that I was filing the State Compensation, XXXX, I should not be held liable to pay this money. First Point Collections has been calling me incessantly on my cell phone, and now today they called me on my work line. I never gave them consent to call me on my work phone number and I do not appreciate such calls harrassing me about payment XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Levy & Associates, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This regards Complaint # XXXX which was filed earlier this year regaring XXXX, Ohio-based law firm Levy & Associates. 

Due to the fact that their client, XXXX XXXX XXXX actually issued a lower settlement amount ( attached ) AFTER the " bill of sale '' that was presented in Court, I did, in writing, asked to be shown the actual amount the Plaintiff paid for this " debt '' -- I believe that is an actual right/law. They declined to do this during Discovery ( attached ). 

At issue : The Plaintiff intentionally and willingly purchased " bad-debt '' in the secondary debt market -- Debt that we all know was written-off and " credit given '' by the loan originator by the IRS. 

So -- if a debt collector decidees to sue consumer for " x number of dollars '', this amount should be made available and should be TRANSPARENT so that we can all see what is going on. How much did XXXX XXXX XXXX pay for MY " default ''? -- Because Prosper already received a credit/ '' right-off '' from the IRS . 

Everyone, including the IRS knows what the amount of the " default '' was. This is not the amount that is now owed to an opportunistic party who is attempting to profit from an economically vulnerable consumer. 

As previously stated, given the poor record-keeping and the obscure nature of the secondary debt market, it is not right and should be illegal to sue someone for an amount you did NOT pay ... ... and if you " did '', and this person is still in economic despair, then this amount should be considered for a " right-off '' on their business expenses. To bring additional economic harm to already vulnerable consumers should be make illegal. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have a PLUS Student Loan serviced by Navient. I graduated in 2013 and since then my monthly bill has been outrageous. The loan is in my mother 's name since I was not allowed to take out a Federal Loan in my own name at the time I enrolled college. Because it is in my mother 's name my monthly payment is calculated taking into account BOTH her yearly income as well as my father 's yearly income as both of my parents are married. Unfortunately, with their bills they can not pay my student loan and I am forced to pay not only my loan through Navient but also by Subsidized and Un-subsidized loans through the Department of EDU - Federal Direct Loans. I was given no help to navigate through this by Navient and was even hung up on after many attempts to contact them for help to try and consolidate the loans under my name to lessen my monthly payment. If there is any help you can get me regarding this situation, please let me know.

Company response to consumer: Closed with explanation