BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-07
Company: Ditech Financial LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I had a property investment loan with Ditech. The loan was refinanced in XXXX 2016 and as soon as it was paid off, Ditech starting reporting the XXXX payment over 30 days late to the credit bureaus. They put the burden on me to send in XXXX of our credit reports and proof of the bank wire that was sent on XXXX XXXX, 2016. About 3 weeks later, they took off that late pay BUT then 14 days later put it back on. I called and they said it was the XXXX payment that was late. I had to send them proof again of my check dated XXXX/XXXX/16 and proof it cleared my bank on XXXX/XXXX/16. Then they determined they did not apply the payment to the loan. I first started contacting Ditech about this XXXX, it is now XXXX and despite hours of research, multiple letters and faxes and at least XXXX calls, they are still reporting inaccurate information to the the credit bureaus and we have no control over this! I have asked for over 2 weeks at least for a letter stating the XXXX report is inaccurate so I can use that to complete other business and XXXX supervisors have told me I would get XXXX that day and it 's been over 2 weeks. Not one supervisor delivered a letter or even called me back. My husband and I are self employed property investors and our credit score is CRUCIAL to our daily business. This inaccurate information has caused our scores to crop XXXX an d XXXX points respectively and we can not get the loans that we need to for other homes until this is resolved. Also, this has caused numerous pulls to our credit to see if it 's fixed, further reducing our credit scores. In the 2 month timeframe during this, we had several property insurance renewals come up and they were increased because they are based on credit scores. We are even receiving notifications of interest increase on credit cards due to the false late report to the credit bureau. This MUST be addressed. This is hurting consumers. I 'm a professional at monitoring my credit etc because of our business and I ca n't get this resolved. I ca n't even imagine a regular consumer dealing with this sort of situation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: Ditech Financial LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Please see and read the attachments. These can also be seen in complaint number XXXX. 

I have highlighted the areas for you and Green Tree. 

At the bottom of page XXXX of the attachment to THIS complaint it CLEARLY states to cease ALL TELEPHONE COMMUNICATION ... ... 
Yet they choose to ignore the cease and desist statement. 

They have called on XXXX/XXXX/2015 and again on XXXX/XXXX/2015. 

Also in complaint XXXX Green Tree replied to you as follows : '' Green Tree Servicing , LLC said : Explanation of closure Green Tree is unable to locate an account with the infomration provided. We ask that you provide our office with the following information so that we can respond to your concerns. 
XXXX ) Full Property AddressXXXX ) Full account number '' They received the exact same letter as you, the CFPB did, and yet the letter that came from Green Tree contains:XXXX ) Full Property AddressXXXX ) Full account numberCan they not read their own letter!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12
Company: EQUIFAX, INC.
State: NV
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:
XXXX, Equifax, and XXXX are reporting incorrect and erroneous information on my consumer report, they have failed to validate this account and it has multiple reporting violations including inaccurate payment grid, last reporting dates, and multiple missing info. This account needs to be removed immediately because it also says charge off and this car was paid in full and never late

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: FastBucks
State: LA
Product: Payday loan
Issue: Can't contact lender

Complaint:
Someone keep came and saying I am been sue for what they will not say. I need to know who is using my name to get payday loans they will not let me have one. PLEASE HELP ME. I NEED MY CREDIT BACK.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
NAME : XXXX XXXX address : XXXX XXXX XXXX XXXX, tx XXXX FOR THE LAST 3-4 MONTHS equifax has been reporting an account that is not mines. I have asked for proof of the inaccurate account that they are reporting and they failed to provide me this information. I have never went to online school. This account XXXX XXXX Account Number : XXXX is inacurrate and Equifax failed to remove this fraud information from my report. I have called this XXXX college and they have no record of me, why is this on my report. Equifax failed to obey by the FRCA law. THIS ACCOUNT IS NOT MINES WHY IS IT ON MY REPORT. Equifax needs to remove this account from my credit report within a timely matter. Its been3-4 months and that have yet to send me proof because this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
During years XX/XX/XXXX through XX/XX/XXXX my husband and I tried to obtain a loan modification through XXXX XXXX XXXX. Our loan was transferred to Green Tree, we were approved for the modification, and faithfully made our payments, but Green Tree dropped the ball by not communicating this info to XXXX XXXX XXXX. Thus XXXX XXXX XXXX filed a foreclosure XX/XX/XXXX, due to non- payment. But the real problem is there was never any communication between Green Tree and XXXX XXXX XXXX. 

After our case went to court the judge stated it was not XXXX XXXX XXXX 's responsibility to know that we were making payments, and that it was our responsibility to relay this info to the bank. However, my husband and I was of the understanding that we were now doing business with Green Tree Servicer, who during their collection of our funds kept transferring our case to a different customer service rep who could never find any records of our payments or phone communications. 

As a veteran this writer should not have to be subjected to this type of treatment after serving her country. I have been devastated by this action, and is hopeful my husband and I can be compensated for the mortgage payments we poured into our home. Since XX/XX/XXXX we have been renting, and our credit is destroyed. Is there anything we can do at this point to recoup some of our losses '? Green Tree Servicer continues to harass us by sending monthly collection letters, even after the property has gone into foreclosure. 

Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is carrying XXXX ( XXXX ) derogatory items and list them as open and unpaid. All my items have been paid quite sometime ago. These items, if they were mine, they need to be updated to show settled. Paid. Closed. etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Navient Solutions, LLC.
State: GA
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:
In XX/XX/XXXX, I had begun what was suppose to be my last semester in graduate school. The only thing I had left to do was defend my thesis. After several weeks of trying to get in contact with my thesis chair, 1 week after the add and drop period had closed, he finally email me back. Without adequate time for me to make adjustments, he informed me that he was too busy to continue to chair my thesis. I was dropped from my course and had to sit out due to the add and drop period closing 1 week prior. According to the supervisor at the registras office, when they sent the report to the national clearing house to verify student status, I was reported as not enrolled. This started a domino effect. Over the course of the next several months, because I was not enrolled in school, my loans came due immediate, which I was not Informed and did not have access to the school email any longer. I was received a 30 day credit mark and 60 day credit mark for failure to pay. Fast forward to know, this has cause a huge burden on my credit score which is hindering me from getting a home loan. I would have never know these payments were late and the root cause of the late payments if I was not looking to purchase my first home. After speaking with the advocate for department of education, she informed me if XXXX  XXXX XXXX XXXX could change me to at least a part time student for that semester being I was dropped by default and I was not even given adequate time to adjust or I could have changed from thesis to non thesis and picked up the addition course needed for graduation that semester and graduated on time. I spoke with the supervisor in at the registras office. She confirmed I was initially enrolled in at least part time before being dropped by my professor at the time for something that was out of my control. She was not sure if she could change the me to at least part time for spring of XX/XX/XXXX, which is what the representative from department of education stated she needed done in order to correct the reporting on her end. She stated she would get back with me in a couple days. It had been a couple months now, she is not responding to any of my emails nor calls. Back in XX/XX/XXXXwhen this first happened, I had the local news involved. They were about to pick up the story but ran into a road block when XXXX XXXX XXXX XXXX would not give them information about the case. At that point they wanted me to get a lawyer to avoid Any potential lawsuits. At the time I did not have time, being I had already moved on to another state, nor the funds to afford an attorney. This has caused me 1.5 years of lost time, money as well as denial of a Mortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Radius Global Solutions LLC
State: WA
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:
XXXX XXXX claims I had a New Balance of {$170.00} with a Please Pay By date of XX/XX/2017 and another new balance on XX/XX/2017 statement showing a Past Due Amount of {$280.00} XXXX XXXX also claimed I had a new charge from XXXX XXXX XXXX XXXX for {$100.00}. As I have mentioned to both XXXX XXXX and Radius Global Solutions the debt collection company they assigned to collect this debt that none of these transactions were mine and I had no idea who they belong to. 

Out of stress and frustration I offered Radius Global Solutions LLC a one time offer to settle the account for {$100.00} just to get rid of the derogatory account, they countered with {$220.00} I declined because I was not going to pay this company more money for an account with transactions that were not even mine, period! 

But now I'm fed up and have had enough I want the entire account removed from my credit report in its entirety. 

Dependent upon the response, I will detail any potential issues with both XXXX XXXX and Radius Global Solutions LLC via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Attorney Generals Office CC : 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 2020-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 sent a letter to Transunion on XX/XX/2020 to dispute 4 items on my credit report. The items are either inaccurate or unverifable. It has now been 50 days and Transunion has not replied to my dispute and/or deleted the items from my credit report. This is a violation of the FCRA 's time frame.

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 2021-01-12
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2020 I was assessed a late fee of {$29.00} for late payment. I asked the credit card company to waive it in several emails but they refused. I find it very inappropriate for a credit card company that makes $ millions to refuse a late fee when they just charged me over {$100.00} in finance charges and in a world pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have my loan with Ditech. My monthly payment is {$1000.00}, I pay {$810.00} every two weeks for a total amount of {$1600.00}. Every month I get a phone call from Ditech saying that my payment is late or there is a shortage on my payment. Also, they keep charging me for late fees {$41.00}. Every time I call Ditech they say everything has been corrected and all the late fees had been removed. That is not true. I dont know what else to do. This is so frustrating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX of XXXX, my mortgage was sold to PNC Bank. My escrow account was also transferred to them in it's entirety from XXXXXXXX XXXX My Property taxes which were due for the amount of {$1700.00} were due on XXXX XXXX, XXXX. PNC Bank failed to pay my property taxes out of my escrow account. I noticed the error on XXXX XXXX, XXXX and immediately notified my lender of the mistake via a phone call. The lender initiated an investigation and told me to inquire again on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX they had still not concluded their investigation and I was advised by a financial advisor to pay the taxes myself out of pocket and pursue getting the money back from PNC Bank. I took this action on XXXX XXXX, XXXX. Paying my property taxes of {$1700.00} plus an additional {$85.00} in interest and fees. I called PNC Bank again to let them know of this, and was told they would reimburse me for my expenses. I forwarded all the proper receipts and documentation to PNC Bank on XXXX XXXX, XXXX. 

It is now XX/XX/XXXX and PNC Bank claims to still be " investigating '' my case, but has not provided any resolution or sent me any of my money which is due me for paying my property taxes. 

I am glad I took the action of paying the taxes myself, as if I had not, my house would have been placed under a lien on XX/XX/XXXX. PNC Bank has not provided me any reason why they can not reimburse me for the funds I have paid out of pocket for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
My name is XXXX XXXX XXXX , XXXX, My father is XXXX XXXX XXXX and is the person responsible for the account under XXXX XXXX and Portfolio Recovery Associates. I have never opened an account with other of these entities. I have sent notice several times under Section 609 of The Fair Credit Reporting Act which requires BOTH entities to produce specific information, including but not limited to authorizations to pull credit ( specific dates ) and/or contracts or agreements purportedly signed by me. As if the submission of this complaint neither entity has complied with Section 609 FCRA yet BOTH continue to erroneously and unlawfully report a derogatory item on my credit report that is not mine. I am once again attaching notice under Section 609 FCRA addressed to XXXX, XXXX  and XXXX  previously sent to XXXX XXXX  and Portfolio Recovery Associates yet never responded to by either entity. As of this complaint BOTH are in violation of Section 609 FCRA which is enforced by the CFPB. I am asking for enforcement of this statute if either entity fails to comp, yvwith my Notice under Section 609 FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
A collection agency is claiming to be a law firm with a unpaid lawsuit for an eviction that never happened. There is no lawsuit either. The property management company that I rented from that originally hired them did n't send the move out statement in the time allowed by law and therefore forfeited any claim against me and refunded my deposit. Kimble Trey al has no legal debt owing by me to be collecting yet they are reporting a XXXX. Debt to the credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Credit Collection Service had placed this negative items on my credit reports without notifying me. Credit Collection Serivce violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: PNC Bank N.A.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXXr XXXX,2020 my PNC account was hacked.I called the number on the back of my card, " XXXX '' told me he would be working with the XXXX Support ( hackers ) to protect my account. Together they told me to protect my money, {$9000.00} in 2 different credit cards, I needed to buy gift cards in that amount so the hackers couldn't get ahold of my money. They would then give the gift card info to PNC to replenish my account. 

I was under the impression the whole time that PNC and XXXX were working together to protect me. 

In retrospect it is clear to me that the hackers were able to intercede my call to PNC. 

The police came and filed a report. I went to PNC the next day and they said they knew nothing about this. I closed all my accounts and credit cards. 

I received a letter XXXX2020 they were unable to honor my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
Using my Capital One credit card, I ordered flowers from XXXX to be delivered to my mom on XXXX 's Day. The charge was {$52.00}. My mom said the flowers were not delivered to her. I tried to dispute the charge with Capital One. At first they refunded the charge but later they added the charge to my account without my permission. They used some flimsy excuse that the merchant ( XXXX ) submitted the charge again. Capital One sent me some meaningless papers that does not prove the flowers were delivered to my mom or anything else. I do n't know how to prove that something was not delivered. When I complained to Capital One, they closed my account ( they do n't like customers who complain ), but the charge of {$52.00} remained.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Capital One in XXXX XXXX XXXX, UT XXXX made XXXX hard inquiries to my credit in the last 10 months as follows : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. I did not request credit from Capital One during this time period and this has affected my credit rating. I requested they remove the inquires and stop making inquires but have received no response.

Company response to consumer: Closed with explanation