BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-24
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
in XX/XX/XXXX I co-signed a loan for my step-daughter to buy a double wide modular home, she paid her mortgage for XXXX years until her husband did not pay their school taxes for a few years, the county of XXXX pa., sold the home for {$1500.00} for the taxes. no one notified me of any of this until much later. greentree finance was notified even befor the house was sold yet did not let me know. since the taxes were in XXXX name and not mine I do not feel I should be responsible for the loan especially since greentree finance demands that I pay for insurance on the house yet tells me forget the house I still have to pay for the loan. the building is worth more than the loan and I told greentree that I would gladly sign the title over to them since they should have a lien to be able to collect from the new owner. XXXX in a XXXX in XX/XX/XXXX. greentree has a collection notice on my credit report showing XXXX dollars do but still calls me to pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Hillcrest Davidson & Associates
State: VA
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:
XXXX XXXX sent my bill to Hillcrest collection agency in the amount of {$2700.00} without any bill or notification. XXXX XXXX refused to allow me to cancel services on a house I no longer own. They have sent no bills or notification letters asking for payment. I have on several occasions attempted to contact them to no avail. I have also emailed them to try and resolve this issue. All my calls go to a voice mail and are never answered. This issue has been going on for close to a year now and it has affected my credit to the point where I am unable to get a loan. XXXX XXXX says I owe {$2700.00} for another 5-year contract. I contacted Hillcrest collection agency and explained the issue and I was told that they did n't care even though that this account should n't even exist. I do n't know what else to do to resolve this issue. I just want XXXX to cancel my account and stop causing me and my family problems and I want this removed from my report. XXXX XXXX is a fraud and they should n't be allowed to collect money they are not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Debt is not mineDescribe what happened so we can understand the issue ... 

I have received a XXXX point reduction in my credit score from transition When I got my score in XXXX it was XXXX in XXXX it is XXXX. When I reviewed my credit report I found that XXXX had reported me as having a bill of {$340.00}. I have never received a bill from XXXX and since they put me into collection And have never received a bill from them XXXX XXXX.. ) This bill is showing as 1 year old. If I had received a bill from either one I would have paid it immediately. I have always paid all of my bills on time. I Called XXXX who. Referred me to XXXX. I called XXXX who sent me back to XXXX. XXXX said I would have to go to the collection agency because they can no longer send an itemized bill, when calling XXXX again they said they did n't have one but I should pay it anyway. Why would I pay a bill that I never received and did n't know what it was for. I finally filed a dispute with Transunion and explained that I never received an itemized bill from either XXXX or XXXX. The answer to my disputewas " It was my bill. " That, of course did not answer my problem. I am sure that you would not pay a bill that gave you a number but not itemized and did not know what it was for. I have been given the runaround enough. 

I called XXXX in XXXX because I wanted to unlock my phone ''. I could n't unlock my phone unless I knew I had a 0 balance '' and was told by the billing department that I had a 0 balance and my account was current. I ca n't understand why they would now say this. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX is still showing the last payment made wrong. The last payment was made on XXXX XXXX but they are reporting that the last payment was made on XXXX XXXX. I have already contacted XXXX XXXX XXXX and Transunion but nothing has changed. I had a XXXX in XXXX and was XXXX and lost my job. There is no way that I was able to pay the mortgage during the time I was admitted in the hospital. I asked XXXX XXXX XXXX to send me any kind of proof like a cancelled check showing that a payment was made in XXXX XXXX but no one has answered my request. I think someone else sent in a payment and possibly my account was applied this payment by mistake.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: DC
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:
All of my student loan accounts were paid in full as of XX/XX/22 and the credit agency refused to report a XXXX balance on all of them and mark them as paid. The last update they had was XX/XX/22. They did not update my file intentionally even after they were given proof of paid status.

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 2019-12-27
Company: Radius Global Solutions LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Requested collection removed from credit reports ( XXXX, XXXX and XXXX ) was not aware of outstanding balance to the medical providers ( XXXX XXXX ). Medical fees were paid in full to XXXX XXXX in the amount of XXXX on XXXX XX/XX/2019 via XXXX XXXX  online payment site. Request to have reported collection removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After review of my Credit Report, I found that my report contained Numerous Hard Inquires that I never Authorized. 
1. XXXX XXXX 2. XXXX XXXX XXXX 3XXXX XXXX XXXX 4.XXXX  XXXX. 
5.XXXX  XXXX XXXX XXXX 6.XXXX XXXXXXXX 7XXXX XXXX 8.XXXX XXXXXXXX. 
9. XXXX XXXX  XXXX XXXX. 
10.XXXX XXXX XXXX 
11. XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Experian Information Solutions Inc.
State: GA
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:
am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 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 2017-05-01
Company: Auto Masters, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have filed a complaint with Tennessee  XXXX   XXXX   XXXX . I plan to file with the BBB and a law suit to follow. I believe this company has set up there computer programs to charge customers late fees, regardless if that payment is late or not. I have a ledger uploaded with more than {$3000.00} in late fees. Some examples are as followed ; On  XXXX / XXXX / XXXX  a partial payment was missed.  XXXX / XXXX / XXXX  a payment was made. On  XXXX / XXXX / XXXX  a non sufficient fund charge of {$96.00} was charged  (  for the  XXXX / XXXX / XXXX  payment ). on  XXXX / XXXX / XXXX  another payment was made. Auto Masters then charged a late fee to every payment made after that non sufficient fund charge, ever made for the next  XXXX  yrs. Payments that were made on time, where charged a late fee.  XXXX   XXXX  on  XXXX / XXXX / XXXX  stated, they over charged us by {$30.00} and offered to credit and defer the balance by adding it to the end of the loan. Auto Masters has charged over  XXXX  payments a late charge indiscriminately. Around {$3000.00}. After that initial missed partial payment. Extra payment were made noticeable  XXXX / XXXX / XXXX  {$400.00},  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$230.00}.  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$180.00},  XXXX / XXXX / XXXX  {$200.00}. No matter how much we missed, or over paid, every payment was given a {$30.00} late fee. If we were short {$5.00} on a payment, they charge a {$30.00} late fee. If we paid a extra {$200.00} that month, they charged that payment {$30.00} late fee. I even mentioned a issue with the car, where we were promised a reimbursement of gas. During this process of complaining about the late fees, Auto Masters reimbursed us for the gas. It appears they took a late fee of {$30.00} out of the reimbursement on  XXXX / XXXX / XXXX . As of  XXXX / XXXX / XXXX  I began making the car payments, there was a miscommunication with my roommate. She told me car payments were {$230.00} due the  XXXX  and the  XXXX . I have been paying over the amount due, yet none of it went to the principal. They stole the extra money by indiscriminating charging late fees to every payment made. This horrendous action has continued for  XXXX  years of the loan. I believe if investigated, the company will be exposed for taking ten of thousands unjustly from the customers. They are taking from the community, a community of military, veterans and their dependents. Customers who are struggling financially or credit wise or both. The way they administer their fees is predatory and should result in a audit of their fee practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Trans union is reporting XXXX has an open account with a balance of {$9100.00}. This is incorrect. This debt was discharged in bankruptcy XXXX XXXX, 2015. They do correctly show the bankruptcy but the account is closed with a zero balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: AZ
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:
Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them toinvestigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX IL XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : 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 non-monetary relief
Consumer complaint received 2020-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Sunday XX/XX/XXXX I deposited a company check in the amount of {$5400.00} from XXXX XXXX that was written to me for a job I did. Then on Wednesday XX/XX/XXXX called to check my available balance was told there was a hold on the check until XXXX XXXX.went to to the bank to see why there was a hold. The financial center manager told me that she would not help me. This is not the first time I've had problems with her. She was very unprofessional, disrespectable and rude. The last time I asked her for assistance she had one of her employees push me. I've been a customer there for 10 years. The bank I'm referring to is Bank of America XXXX, Ga.

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 2016-11-27
Company: FACTUAL DATA CORP.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Factual Data, bureau express reported false data on my credit report. 
While applying for a loan product and while reviewing my credit report I found shocking information is on my credit report. 
XXXX items listed were not related to me or it has been paid off long time ago, and factual data bureau is still keeping wrong information in my credit report. 
1. XXXX XXXX account has a balance of {$7900.00}, card # XXXX ( Verified with bank and that account do not belong to me, ) 2.XXXX account # XXXX, balance of {$7400.00} XXXX account is invalid or does not belong to me. Verified with XXXX credit card. 
3. XXXX bank account # XXXX balance of {$310.00} This account does not belong to me. 
4. XXXX account # XXXX, balance of {$130.00} Due to the wrong information on my credit report my credit score suffered and I am forced to pay a higher interest rate. 
I am requesting an immediate action on this issue and correct these errors. So I can have my life back. 
Factual data management irresponsibly posted balances which does not belong to me. This report added my liability to {$15000.00} which is not a small amount, which I have nothing to do with. 
Address:XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a Checking account with TD Bank, and on XX/XX/XXXX I had funds in the amount of XXXX dollars in the account. On that same day a check was debited out of my account for XXXX, and a pending transaction for {$48.00} leaving XXXX in the account. On XX/XX/XXXX funds were debited out of my account for XXXX dollars, which of course sent the account into overdraft which I understand. An over draft was assessed to the account on XX/XX/XXXX and I then deposited XXXX dollars into the account on XX/XX/XXXX. Now this is where it gets interesting, also on XX/XX/XXXX that same fee for XXXX dollars that was PENDING and already debited out of my account is posted and TD charges an overdraft fee for this! So I am being charged an overdraft fee 2x for the same transaction, or being charged for what I see as incredibly unfair lending practices. To rehash XXXX is the amount in the account and a rent check comes out for XXXX, and there is a pending charge of XXXX, leaving me with XXXX dollars roughly. Then XXXX is debited out of the account and I am XXXX dollars in the negative, thus a XXXX dollar overdraft. However, immediately after this TD now fully recognizes the XXXX dollar charge which was pending and Overdrafts me again. What TD did was hold the XXXX, so when the XXXX was withdrawn I became overdrawn and was assessed a XXXX dollar fee. Then TD no longer holds the XXXX and even though the funds were already accounted for I get another charge how this possible? If this XXXX dollar charge was debited out of my account and is what caused the XXXX debit to be a negative balance, then how can it also be added to my account in NAME only and I be charged again???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-07
Company: Paypal Holdings, Inc
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i received a bill from XXXX XXXX XXXX saying that I owe pay pal the amount of {$390.00} as of today 's date I have not received verification of this debt and they are attempting to collect and I have no idea when this debt was and if I truly owe this bill. This debt has to be more than 3 years old and has passed the statue of limitations on collecting as of today 's date I have not received a bill from pay pal to pay nor have they contacted me to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11
Company: Paypal Holdings, Inc
State: AR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
PayPal refuses to close my account out or let me speak to anyone higher than a customer service rep to resolve my issue. I have made countless attempts to resolve this with them but they refuse. This is a horrible company that does n't care about its customers. I just want my account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was visiting the annualcreditreport.com site to get my FREE credit report ( s ) on XXXX/XXXX/15. I selected TransUnion and instead of going to my report I was sent to a " Credit Monitoring '' page for a sells pitch. 
I understand that credit monitoring my be of interest to the general public, however, I could not even get to my FREE report. I was NOT allowed to opt out of the sells pitch and retrieve my FREE report. 
This blunt sells tactic has resulted in poor customer service and smacks of a " bait and switch '' scam. I have absolutely NO interest in making a purchase from TransUnion. 
As I understand it, the federal government sanctioned this site for the general public to interface with the XXXX major credit repositories ; thus allowing access to our credit reports. This site ( XXXX ) is NOT intended to be a sells promotions tool for these companies. This type of behavior needs to be STOPPED!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a dispute with chef systems for an nsf check dated XXXX XXXX XXXX. My ssn is XXXX do XXXX XXXX XXXX. It 's in the amount of XXXX from alliance bank. I have never had an account through then and I want proof of this check and who it was made out too. That 's part of the verification of debt. I want a copy of this check and something with my signature agreeing to pay any fees associated with this company

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 2015-05-13
Company: Bliksum, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a loan of {$3100.00} from Loan Me. Everything was fully explained to me and the loan was funded on XXXX XXXX. I later that day called Loan Me customer service. I just wanted to receive my account number. I was told that they wanted to give me a welcome call for being a new customer. I informed the customer service person I was in a hurry and just wanted my new Loan Me account number so I could electronically submit my own loan payments. I was told they needed to re verify all of my personal information first to validate it was indeed me calling. I was good with all questions asked until they asked me to say out loud my whole social security number. My other financial institutions never ask over the phone my entire social security number but instead ask for the last XXXX digits. I believe this practice of asking some one to repeat their entire social security number over the phone is in violation of my rights as a consumer and can lead to identy theft. I provided my entire number online with their application which I have no problem with. They could easily verify my identity using the last XXXX digits of my social security number or another validating security question. The person I spoke with after I was validated as the borrower proceeded to tell me they would not give me my account number until I listened to their welcome call monologue. I reapedately asked just for my account number to no avail. I asked to speak to a supervisor and was placed on hold and then disconnected. I called back to receive the same validating questions and again was asked to say my entire phone number. This time the person did provide my account number when I asked but also proceeded to insist I listen to their new customer welcome call. I reluctely listen to what was Loan me ' s welcome call for me being a new member. This welcome call is nothing to do with verifying the borrower but has everything to do with loan me ' s attempt to get my permission to be contacted at work. Please have them stop the practice of having to repeat my entire social security number over the phone. Thank you. 
Respectfully, XXXX XXXX XXXX XXXX XXXX # XXXX, CA XXXXXXXXXXXX XXXX of SS # XXXXMore than enough validation provided. 

You may publish everything but my personal information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation