BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-22
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Di tech refused to conduct an escrow analysis and then when they finally did the analysis they found that the account had {$3000.00} extra in the account. As of XX/XX/XXXX.2016, we have not received the return of funds over the required minimum. Escrow analysis was completed in XXXX 2016 and then in XXXX the PMI was dropped from the account and another analysis was done and new amount was statwped, but the XXXX and XXXX payments were made in the amount of the new XXXX amounts, but they were crediting the account for {$75.00} less than was payed. 

On XXXX XXXX, 2016, spoke with XXXX and she stated the extra was in an overpayment account except it did n't add up to {$150.00} and futprther went in to state that XXXX payment paid XXXX and then on XXXX XXXX an payment of XXXX was made thus they say the account was up to date XXXX it came from an overpayment account, but the account has never been late and no payment had been missed. Requested a payment history sent to me, refused, stating it would be sent to Netherlands attorney on record. They never communicated a payment behind through the attorney. 

Ditch will not send a bill with amount due since account is in active bankruptcy and when you call to ask for amount, they say pay what you paid the previous month.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX CO XXXX Opened XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$760.00} XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  Opened XXXX XXXX XXXX XXXX Balance {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$760.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$300.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-14
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: Account status incorrect

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX : XXXX XXXX XXXX Opened XX/XX/2018 Balance {$19000.00} Equifax XXXX XXXX XXXX XXXX Opened XX/XX/2018 Balance {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We originally got a loan with a company called XXXX. They sold our loan to GreenTree who in 2014 paid the wrong company for our property insurance out of our escrow account. Not wanting that to happen again this year, I called in XXXX to speak to a representative. She eventually transferred me to a rep for XXXX XXXX who supposedly emailed them what was needed. End of XXXX I received a letter from XXXX who has now taken over GreenTree saying my insurance is n't paid and so I call customer service again who assures me it will be paid on time. XXXX rolls around, XXXX XXXX still has n't been paid, and XXXX sends me a FINAL NOTICE regarding the hazard insurance. They were going to force me to buy insurance from them. I called ditech again and requested a supervisor who finally informed me their concern was insurance for the structure which is paid by the HOA. I faxed them what they wanted. Then I received a notice yesterday. Our escrow account is " short '' and they are raising our payment to make up this shortage. Turns out they not only paid XXXX XXXX the {$540.00} we owed them, but ALSO sent a {$840.00} check to XXXX who we do n't use for insurance on this property. We want our {$840.00} back and this escrow issue resolved so we do n't have to deal with it for a third year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: EQUIFAX, 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The Experian and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : EXPERIAN 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 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 2015-07-14
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
On Saturday, XXXX XXXX, XXXX, My wife and I went to our bank to apply for a re-finance of our home. I was told : " You have no credit reporting. '' My reply was : " I have a mortgage that I 've been paying on for twenty years. " " Whomever has your mortgage is not reporting any payments. '' was her reply. 
Upon returning home, I checked my XXXX credit scores. Green Tree Servicing has never reported any of my payments. 
Upon calling Green Tree Servicing, I was routed to a half dozen different people before some really rude woman came on to tell me that I had never filed a reaffirmation with XXXX after my bankruptcy in XX/XX/XXXX and because of that, they were not required to report my payments to the credit scoring agencies. 
I had filed bankruptcy in XX/XX/XXXX while still a customer of XXXX Mortgage and sent them a letter assuring them that I wanted to reaffirm with them, I had never missed a payment until I requested a Loan Modification from XXXX. The Loan Modification was completed and granted in XX/XX/XXXX, two years after my bankruptcy. 
With XXXX continuing to take my payments and granting a Loan Modification in the aftermath of my bankruptcy, they effectively accepted my reaffirmation,. 
In XX/XX/XXXX Green Tree bought my mortgage and stopped reporting, Now they want me to go to court to reopen my bankruptcy and do a reaffirmation with them, before they 'll begin reporting again. Three years after they bought my mortgage, they tell me this. 
This is effectively holding me as a financial hostage, because XXXX XXXX XXXX is no longer reachable. 
Now if I want to get any credit at all I 'm stuck, with only my mortgage payments as proof of my credit history. I hate being strong armed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
Bank of America ( account XXXX ) is now holding a current mortgage note reporting on my credit that DOES NOT contain my signature. I did not approve of this modification and I would have never agreed to these terms had I been given the opportunity to review these documents. XXXX XXXX assumed liability of this mortgage when it was serviced by XXXX and approved of these terms, clearly without review. XXXX approved releasing me of all liability through a modification and then assumption in XXXX, then transferred the mortgage to Bank of America. However, Bank of America is still reporting this to my credit. I am not on the NOTE or the Deed to this home. 

In XX/XX/XXXX, the balance on the Bank of America loan was {$530000.00}. In XXXX, I was removed from the Note and the Deed while being serviced relief by XXXX Mortgage. From that date until XX/XX/XXXX, after heavy research, {$100000.00} was added to the loan for unpaid installments, interest, late fees, other fees and costs, etc. The payments were only {$2500.00} which included escrow. This is a gross overestimate of added fees and this is unlawful. 

Bank of America ( service relief by XXXX # XXXX ) increased this loan amount ( account XXXX ) by {$100000.00} for late fees and interest according to these documents. In XXXX of XXXX, {$140000.00} was deferred for a principal adjustment, another erroneous number. In XXXX, this loan amount was {$490000.00}. Now, XXXX  years later with no cash out refinancing ever done, its totaling {$610000.00} - interest bearing and non-interest bearing- due to fees and interest In XX/XX/XXXX, Bank of America again began servicing this loan, after I was removed and their records shows a principal adjustment of only {$140000.00}, and a balance of {$380000.00}, which would be a total balance of XXXX, not the XXXX. I have attempted to write Bank of America, email, call, etc. for XXXX years now and no one ever gets me to the right department. No one calls me back. Everyone says they'll look into it but has no answers for why my signature is not on the current NOTE being held by Bank of America and why the balance is incorrect. This is affecting my credit, one, because its not my loan, and two, because of the terms and conditions ( balloon, erroneous loan amount, illegal amount of deferred interest ). The balance is reporting as HIGHER than the high credit limit and the loan has been established for XXXX  years. This is fraud on so many levels.

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 2018-09-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2018 I tried to purchase WiFi internet from XXXX XXXX XXXX they said they could not check my credit due to a hard stop. They told me contact equifax I called and the automated system said there is no freeze on my account. Then I received a notice from XXXX XXXX on XX/XX/2018 saying XXXX XXXX XXXX checked my credit? I can not get answers from either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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:
Upon reviewing my credit file, incorrect information was found in my reports. The Equifax and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : EQUIFAX : 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 explanation
Consumer complaint received 2015-07-30
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2015 a collection company by the name of " Debt Recovery Solutions , LLC '' put derogatory and inaccurate information on my credit report. It shows that the original creditor was XXXX and the client was " XXXX XXXX, XXXX ''. It shows the amount was for {$310.00}. On the credit report it shows that the account was open on XXXX 2015. I have not opened any accounts with " XXXX '' in XXXX 2015. I was not properly notified per the Fair Credit Reporting Act, so I was unable to verify the validity or dispute the debt. This is in clear violation of the Fair Credit Reporting Act. The only notification I received was XXXX letter from Debt Recovery Solutions dated XXXX XXXX, 2015 requesting to pay {$230.00} by XXXX/XXXX/15 which is a settlement letter. This is another violation since the creditor put the inaccurate/derogatory information on my credit report and reported it to the credit bureaus at the same time. This action is a violation of my consumer rights and is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: Ditech Financial LLC
State: UT
Product: Other financial service
Sub-product: Refund anticipation check
Issue: Customer service/Customer relations

Complaint:
I was told at the first of XXXX of 2015 That Green tree Servicing now Di-Tech Financial that because I had to stop payment on a Cashiers Check that Green tree lost that they would refund me my money back on doing so that I could get them another cashiers check out to them. I have sent several documents and proof of the amount paid and they the bank statements that they wanted. I have been told my refund would be returned to me in 30 days and here we are 90 plus days over and they still wont pay my refund. I want my refund back and I do n't want them to contact me anymore about my home. I have had enough of their lies and this is not the first time I have had to report them going back on their word.I just reported them a couple of months ago for not doing a repayment plan with us when they said they would. I have called several time asking where my refund is and I was told it is in the mail which it was n't. I would just like for Green tree to just once promise to do what they tell people.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 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 TRANSUNION : 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 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 2020-04-19
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
on XXXX XXXX this company Scott & Associates , P.C . sued me on a time barred debt.According to the lawsuit the plaintiff claimed that I owed {$2600.00} this is false. 
This account and debt have been disputed and most of all, the account and debt according to my record is time barred. The last payment I made on this account was on XX/XX/XXXX. That is 4yrs which  is more than 4yrs the Texas status of limitation is. 

The statute of limitations " clock '' starts ticking on the date of last activity on an account. Typically, this is the date you last made payment. According to Texas statute ; civil practice and remedies code, XXXX. the status of limitation in the great state of Texas is 4 YEARS. 

The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from bringing a suit or even threatening to sue you for a time-barred debt. This law the plaintiff just violated. 
And also, by making me go to the court while the nation has a stay at home going on because of the corona virus, this company put my life and well-being at risk by bringing this bogus case. Also, wasting the court time when they do know better that the case they bringing is time barred

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXXXXXX XXXX APT XXXX XXXX XXXXXXXX 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 TRANSUNION 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 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 2022-05-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports Experian : 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 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