BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-30
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree Servicing LLC purchased my home loan from another lender in XXXX 2014. I have been making correct XXXX payments every month since the purchase but am now told somehow I am behind on my obligation ( the account was current and up to date prior to its 'acquisition ' by Green Tree ). My banking statements show the draft amounts and dates since XXXX XXXX, 2014. I have attempted to communicate my concern to Green Tree reps on numerous occasions but they seem to be stalling the resolution process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 also states consumer reporting agency can not furnish an account with my written concern.

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 explanation
Consumer complaint received 2015-05-29
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I recently applied for a pre-approval for a home loan with U.S. Bank as a XXXX time home buyer. I was denied stating that my score was too low and to essentially try again in a year. I have been doing credit counseling and have been working on my credit for a while and spoke with my counselor to make sure I would qualify before applying for anything. My counselor agreed that I was ready based on my credit score and report. However the loan officer for U.S. Bank stated that my score was a XXXX which was way lower than the XXXX I had pulled from all three bureaus. When I asked to see a copy of the report that was pulled from the loan officer I was told they ca n't share that information with me. I called customer service with the bank and was transferred several times with each person not knowing if I could get the information or not. I finally reached a guy who told me he would have someone call me with the information in XXXX minutes and that he would check back and follow up. I never got a call from anyone with U.S. Bank regarding this issue and he did not follow up. It is my right as a consumer to have access to this information if I am denied credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company has filed a collection with credit bureaus for an unknown service that is not mine. I have tried several times to call them, have disputed the collections with collection agencies and have send certified mail to get the invoice that is in question and to resolve the issue with out any response. They do no respond to their phone number that was listed on the credit report nor have they responded to the registered letter I have sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Waypoint Resource Group, LLC
State: NV
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:
3rd Attempt : Waypoint Resource Group LLC reported an account to the consumer bureaus before their 45-day policy. Their rep told me of a 7-day processing lag. When calling them out on this, the supervisor assured me that this account would not be reported and provided to me in writing that a request to delete the account from my consumer reports would take place. WRG 's rep stated " Oh, I know what happened '' but did not tell me what happened. After my prior complaint, the XXXX reporting was removed ; but, WRG then reported to XXXX. The same documentation provided prior is included here. WRG, I would like for you to stop reporting this account to the consumer bureaus IMMEDIATELY, per your agreement; or I will take legal action against you for violations of the FCRA and DCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company ( US Bank ) is not reporting my payments after my chapter XXXX bankruptcy. The loan was not reaffirmed in the ruling. They also did not close a line of credit attached to my checking account, that is being reported negatively, which was part of the bankruptcy discharge.

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 2022-05-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received three emails from Wells Fargo on XX/XX/2022 regarding a new checking account that they say I opened with them. I immediately called them and told them I did not open an account and they said they would shut it down and that there were not any transactions on the account. Since XX/XX/2022 I have received additional E-mails from Wells Fargo about different services with my checking account and a reminder that if i do not deposit funds they will close the account. I stopped by a local branch and they say they do not see I have an account. Tried calling their fraud department to see why I am still receiving E-mails from them. Waited on hold for over an hour before hanging up. I am concerned they opened an account for me that I did not request and concerned they have not taken the steps to turn off e-mails regarding this account they say was closed.

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 2022-05-18
Company: Upgrade, 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: Their investigation did not fix an error on your report

Complaint:
I would first like to start and say that it saddens me that I have to file a complaint so I can be heard from Upgrade. First, I filled a complaint XX/XX/XXXX regarding my past two late payments. As of XX/XX/XXXX, I did get a response from Upgrade granting the removal of the two late payments from XXXX of XXXX, which was done, but only for two weeks unfortunately. I checked my three credit scores on XXXX, XXXX, and XXXX on XX/XX/XXXX. The removal was successful for only XXXX and XXXX. Currently, as of todays date, Ive paid my Upgrade balance in full and currently XXXX states the two late payments were removed successfully, XXXX states I have one late payment on XX/XX/XXXX, and XXXX XXXX I still have two late payments from XXXX XXXX. I still want to do business with Upgrade, but the inaccuracy on my credit report is causing me much distress. Ive already spoke to XXXX and XXXX from Upgrade, which they both stated that my credit report should be reflected accurately by now. I just want to move past this and move forward and continue to do business with Upgrade.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: U.S. BANCORP
State: NV
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
So I paid a payment to pay off credit card it was XXXX balance in XX/XX/XXXX I paid a payments in XX/XX/XXXX no paymnets in XX/XX/XXXX and 3 payments in XX/XX/XXXX including the pay off so XX/XX/XXXX comes around my XXXX paymnet got returned so instead of them contacting me they closed my hey your payment returned they closed my acct they said it was closed because returned check did n't give me opportunity to pay and told me they are gon na charge it off rudely I may add on XX/XX/XXXX I contacted them that 's how I found out about this situation now reason my check returned was because I 'm going thru litigation with my brother over our company and he returned check with my funds messy situation but I offered to pay my credit card balance to XXXX from what it is now I thought me having this card for 4yrs would n't be a big deal so they said I 'm 124 days past due cause my cash payments in XX/XX/XXXX was n't what was owed so they do n't count it as payment basically do n't care about my situation I spoke with collections and basically they do n't care even tho I can pay down balance to under my available credit it 's closed and they wo n't re open cause I 'm 124 days past due which is un true if u count my XX/XX/XXXX cash payment

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 2016-05-26
Company: Sokaogon Finance, Inc.
State: SD
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CALL ME AT WORK WHEN I HAVE TOLD THEM I CAN ; T RECEIVE PHONE CALLS AT WORK. CONTACT FRIENDS/SUPERVISORS ABOUT DEBT

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 2016-08-16
Company: U.S. BANCORP
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX 2013 through my realtor, I began the process of seeking short sale approval for my property located in XXXX, FL. The first mortgage lien holder is US Bank Home Mortgage. The second mortgage is held by XXXX XXXX XXXX. I have been co-operating and patiently waiting- as I would much prefer a short sale over foreclosure. I do not have liquid assets available to settle a deficiency balance. After months of waiting US Home Bank approved me for a mortgage modification rather then a short sale. Each time I declined the modification and advised I needed to do a short sale, because I am no longer able to maintain the home. It has been vacant for over 3 years. After additional waiting, US Home Bank would come back with a counter offer- demanding a higher sales price than the buyer had agreed to on the sales contract, in order to complete the short sale. As of now, I have lost all XXXX buyers that had previously been under contract. I am now starting the 4th round of this unending situation, we do not have a new buyer yet. It appears that I am never going to be able to complete the short sale. I have fully co-operated and provided every document and answered every question asked by US Home Bank, then making me wait 9 months to a year, to hear that a higher sales price is being demanded is unreasonable. I need help. I need someone to intercede and for US Home Bank to get the short sale completed within a reasonable amount of time, and to not change the terms of the short sale at the final hour.

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 2016-12-23
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account online with US Bank XX/XX/2016 with a promotional {$150.00} bonus. Their requirements were {$500.00} direct deposits or billpay. I met the requirement via direct deposit on XX/XX/2016. 

I called the bank numerous times to ask, " when will I get my promotional bonus? '' Their responses were XXXX ) XXXX weeks after first billpay ( XX/XX/2016 ) XXXX ) XXXX days after first billpay ( promotion ) XXXX ) go to in-store ( XX/XX/XXXX )

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 2016-03-15
Company: U.S. BANCORP
State: MT
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
US Bank has taken an overdraft out of our checking account and that has caused an overdraft and left a negative balance of {$80.00} and on XX/XX/XXXX16 our XXXX payment was returned to them unpaid.I went to use the debit card at XXXX this morning and it was rejected and I came home and checked the account online and there was an item presented to the bank and they had taken out the {$120.00} and I spoke to a person at the bank and she said that the overdraft protection was for the debit card and I said no as they did return an electronic withdrawl from the same company and put back the overdraft money and service charge. Now they are still charging us the service charge on our own money. We had stopped the over draft protection in XXXX of 2016 and this was for all transactions. I will attach a copy of my bank statement to this complaint and I need to have some action on this as the bank is telling us that they can change there agreements without telling the consumer. I feel that they need to return the money and not take the service charge as we had stopped the over draft protection in XXXX of 2016. 
XXXX2016 Overdraft Returned Fee Waived {$36.00} {$120.00} XXXX/XXXX/2016 Overdraft Returned Fee {$36.00} {$84.00} XXXX/XXXX/2016 Returned Electronic Withdrawal Wi XXXX XXXX {$120.00} {$120.00} XXXX/XXXX/2016 Monthly Maintenance Fee Waived {$8.00} - {$4.00} XXXX/XXXX/2016 Monthly Maintenance Fee {$8.00} - {$13.00} XXXX/XXXX/2016 Electronic Withdrawal Wi XXXX {$120.00} - {$4.00} XXXX/XXXX/2016 Debit Purchase -XXXX Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-05-18
Company: EQUIFAX, INC.
State: NY
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following have violated my rights : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 also states consumer reporting agency can not furnish an account with my written concern.

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 response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: Focus Holding Company
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Have been receiving harassing phone calls from Focus Receivables Management for past 3 days ; each time I answer the call, the caller 's system hangs up the call. The number they are calling is on the national and state do not call lists. As a result of this, I can not even attempt to validate the debt in accordance with the FDCPA.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: URS Holding, LLC
State: PA
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 have been contacted incessantly and at all hours by various representatives of Alltran Financial LP. They state I " owe '' {$2200.00} for a " judgement '' to XXXX on behalf of XXXX dating back to XX/XX/2011 but offer to " settle '' it for {$1600.00}. I do NOT owe Alltran Financial LP, XXXX, XXXX nor anyone else they claim to represent ANY balance! I have asked repeatedly for written proof of a valid debt and have yet to receive it. In addition, my numerous requests that they CEASE & DESIST from contacting me other than in writing have been ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-15
Company: Focus Holding Company
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/XXXX my credit score was XXXX from XXXX XXXX from XXXX and XXXX from XXXX. On XX/XX/XXXX I received a denial letter for a credit card from Bank XXXX due to a collectionon my name sent to Focus Receivables Management by XXXX on XX/XX/XXXX for an amount of $XXXX owned since XX/XX/XXXX
I never had an account with XXXX under my name, the account we had as household was under XXXX name and was closed on XX/XX/XXXX. 
XXXX retrieved my name from the collection agency XX/XX/XXXX and removed the collection from XXXX before XX/XX/XXXX. As result I lost XXXX points on my credit score from XXXX. However, it was not removed from XXXX. The confirmation# XXXX for my dispute is XXXX 
XXXX did not contact me in regards to the charges ($448), but due to the length of time my name was at the collection agency, I lost many points. 
All my efforts to contact the billing department were not successful. Today, XX/XX/XXXX after being transferred seven times I spoke with a person that confirmed my name was removed from the collection agency and that my case is escalated. I have no way of recuperating the points lost due to this mistake made XXXX. As result of this mistake I got a denial on credit card application and I cannot apply for a new credit to buy a house.
I would need help in recuperating the point lost on my credit score for all XXXX credit agencies, please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: URS Holding, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Whilst away at school my name and personal information was used to open accounts including this XXXX. I have not or did not give my authorization to open this account and I require a full disclosure of the contract ; payment agreement ; identification used to open this account and all other information pertaining to the opening of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: URS Holding, LLC
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Student loans from XXXX XXXX XXXX XXXX got sold to ERS ( Enterprise Recovery Systems , Inc earlier this year. When that happened, I had already paid off a large chunk of the loans and ERS attempted to collect on the original amount. I then decided to request debt validation from them several times and sent them XXXX debt validation letters to confirm my payment history and agreement. They have ignored these requests several times and continue to make attempts to collect on the original amount of the loans. Please investigate this matter and send me proper validation. Thank you. 


School : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, New York XXXX | ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: CARD Corporation
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I had XXXX plus the fees stolen from my card account I had filed a fraud dispute and I was promised that I would receive my money refunded and card.com refuses to return my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My only identifying information is as follows : My address : XXXX XXXX XXXX XXXX, SC XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

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 explanation