BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-26
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX / XX/XX/XXXX we started working with Green Tree on a Deed in Lieu. The representative originally told us it would take would take 90 days to complete. Within the first month they changed the locks on our home without telling us. ( Our payments were current at the time. ) They said a lock box was on the door and they would give us a code, but there was no lock box. Months went by and we called Green Tree daily to check the status of the Deed in Lieu. Calls to Loss Mitigation went unreturned, but their collections department called us almost daily asking for payments. Their system never showed us in the Deed in Lieu process. When I finally got a hold of someone in Loss Mitigation, they said that I had cancelled the request ( which I never did ) and that we had to start all over again. During this time Green Tree became Ditech and our file was lost / misplaced a hand full of times. We had a new account representative almost weekly. The Deed in Lieu was finally processed and finalized XXXX XXXX, XXXX. We were sent a Deficiency Waiver Agreement. Within the past two weeks we have received about XXXX letters from Ditech concerning our account. I called yesterday and they said our account was past due and that I needed to make a payment. I told them about the Deed in Lieu and the Waiver Agreement but they said they had no record in their system and that someone would have to call me back. No one did. I called again today and the representative said she could n't help me and that someone would again get back to me. I spent XXXX months trying to settle this with Ditech. I can not spend another 8 months trying to now resolve another of their mistakes. Not to mention the late payment reports they have been sending to the credit bureaus since XX/XX/XXXX! I 'm worried about contacting an attorney as the last time I asked Green Tree / Ditech if I needed one, they told me they would cease all communications with me and stop working towards a solution. I am at a loss on how to work with this company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Account is reporting late payments during covid and while on deferment these are FCRA violations. Remove this late payment reporting in XX/XX/2020 on account 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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX XXXX This medical collection is also showing 3 different account numbers on all three bureaus. 
# XXXX # XXXX # XXXX, has violated my rights. 

1

5 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX Balance : {$130.00} XXXX XXXX Balance : {$160.00} XXXX  XXXX Balance : {$32.00} DP OF EDUC XXXX Balance : {$8000.00} DP OF EDUC XXXX Balance : {$6300.00} XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry 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 2022-04-18
Company: BSI Financial Holdings, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Due to covid-19 and more issue in my family 's, it was difficult for me to pay my mortgage on time. 
I requested a loan verification to reconsidered my case but it's been like more than 6 months, BSI turn me in circles but nothing serious. 
they ask me to send the documents, I sent all the documents 2 times but unfortunately they do nothing. 
I tried to reach them everyday on the phone, without success. I found myself obliged to ask you to help me so finally they can work on my request. 

XXXX XXXX XXXX XXXX XXXX NJ XXXX loan # XXXX Mortgage Company : BSI Financial services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
Ive tried contacting experience several times about inaccuracies on my credit report. I understand because of COVID things are being prolonged but it has been well over 90 days from my first initial letter. I understand the the credit bureaus are not government regulated and I feel as I am being taking advantage of as a consumer and American citizen. Ive attempted mailing in my disputes and calling but when I call they stay for me to mail my disputes in which I have numerous of times. I feel like my matter should not be over looked, as a XXXX man in this country who ancestors have been robbed of their freedom and dignity I feel I am walking in the same steps as my ancestors before me. I wish to have this matter settled in court and to have the backings of the XXXX XXXX against a great fight against man kind

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 2016-06-13
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Ditech Mortgage Compay tried to defraud me out of {$96000.00} through Home Loan Specialist XXXX XXXX XXXX # XXXX by charging me closing costs of XXXX and appraisal fee of XXXX, tax service of {$85.00}, Flood Certification Fee {$4.00} and credit report of {$4.00} for a total of {$710.00} + {$91000.00} = {$92000.00}. Plus Homeowners insurance of {$340.00} which was not included in the original quote from Home Loan Specialist XXXX XXXX XXXX, so now the damages are {$340.00} + XXXX = XXXX. In addition Ditech Mortage charged me another {$600.00} for homeowners insurance of {$600.00} and City Property Tax of {$1500.00} for a total damages of {$91000.00} + {$600.00} + {$1500.00} = XXXX. Ditech & XXXX XXXX wanted me to sign this this agreement even thought it was wrong. Home Loan Specialist said that I needed to sign it and it would be corrected at a later date. This is for Ditech Loan Escrow No. XXXX. During the Month of XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Bass & Associates, P.C., Attorneys at Law
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have told them on XXXX other occasion to please stop calling my job. They have called again. They also will constantly call my cell number and not leave a message. 
I will sue next time I receive a call at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my coop mortgage in full in XXXX 2016. I have been waiting for my original stock certificate, note, and security agreement. According to NYS law, these documents are to be delivered to me within 45 days of payment of the mortgage. I 've called Ditech, sent letters, etc., but only get roboletters in the mail stating that it is looking into the situation. Clearly, the documents are lost. I had to pay {$600.00} to get at least a replacement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have reviewed all   XXXX   of my credit report have saw numorous hard inquiries on my report i never gave approve for such as.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   There is numerous   XXXX  inquiries  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
Consumer complaint received 2016-12-06
Company: ECMC GROUP, INC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Been in a battle for years for a student lostudent loan I never took, in an educational institute accused of fraud in court and later closed. I had sent documents, lawyer letters, but always denied. They only have a pc of paper with my supposed signature.Ask them to take me to court. They never did, but every year they contact me reclaiming the loan money.

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 2016-04-18
Company: United Debt Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A company called XXXX called harassing a friend to get to me. On a payday loan that is 3yrs old. Said they were send it to the court to have me arrested. I tried contacting the collection agency that has it with no luck yet. I dont know who this XXXX is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
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:
I have 4 total accounts that are fraud and not mine. I have sent multiple I mean multiple fraud affidavits with police reports and my license and social 4 times. This is the last time I will send this letter before I sue all 3 credit companies These accounts are not mine and I have never done business with any of them. The collection account account does not even have a name on it this needs to be deleted asap. 

THe other 3 I have never done business and are ignoring my calls

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 2016-10-19
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company ( Ditech ) did not pay my homeowner 's insurance policy and as a result my insurance was dropped. I was not informed of this for months and was given lender-placed insurance to fill the gap. The lender-placed insurance was much more expensive than my previous policy, and of course is a stripped down policy. As a result of my homes mountain location, it has become difficult to insure and my previous insurance company could not give me my old policy back. I was grandfathered in on my insurance and after Ditech caused me to be dropped I was stuck without insurance and had extreme difficulty finding anyone that would consider insuring me. I am now getting closer to finalizing a new policy with a new company but Ditech wants to charge me more for their lender placed policy even though I was placed on this policy solely because of their neglect and inaction to pay my insurance company. It was their problem and they want me to pay to fix it, even after causing me to lose my solid insurance policy that I can never get back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX  Account # XXXX ( XXXX XXXX XXXX ), # XXXX ( XXXX ), # XXXX ( XXXX ) XXXX XXXX ( XXXX XXXX ) has violated my rights.

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 : States a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-18
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Equifax XXXX XXXX XXXX XXXX : {$190.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX  Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$5600.00} XXXX XXXX XXXX XXXX  Balance : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


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
Consumer complaint received 2016-04-11
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have all my bank statements indicating I made payments faithfully for over 3 years. This is not reflecting in this new collection agency 's report and their tactics of calling me all hours of the day are disturbing and harrasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: U.S. BANCORP
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
On XXXX I purchased a US Bank issued XXXX gift card of {$500.00}. It failed to activate. I was instructed by the representative that I would have to fax in a copy of my receipt. XXXX An aside, fax is 15 years outdated. I do not own a fax machine, nor do I have access to XXXX. I had to settle on using an online service, which is less secure than me emailing it over my https XXXX account. ) I faxed this information in on the same day, XXXX. Today, XXXX I called fully expecting my activation to be complete after 2 business days. The rep told me it could day 10-15 business days! That 's up to 3 weeks! And I have no assurance that my paperwork was even received on their end to be processed, nor do they have a method of contacting me back that it has been activated. 
Their system needs a complete overhaul. It is n't sufficient to meet consumer expectations nor needs.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Loan sold to Green Tree Mortgage. I was unemployed, received unemployment payments from the government and able to verify yet Green Tree never would approve my loss mitigation paperwork. Instead paperwork was ALWAYS lost and reps could never help or even tell me the same information twice. I began the loss mitigation progress with Green Tree XX/XX/XXXX. My loan was then changed to DiTech XX/XX/XXXX. DiTech said they did n't know I was in the middle of trying to modify and I was called 5+ times per day requesting payment in full. Again, I was unemployed and could verify this. I restarted the loss mitigation process again XX/XX/XXXX with DiTech. Like Green Tree, same run-a-round, my paperwork was lost and at one point in XX/XX/XXXX I was verbally approved for a repayment plan though I never received any letter in the mail. The next time I called, that rep who verified the payment plan no longer worked there and no one had any knowledge of me being approved for repayment. I then restarted the loss mitigation process XX/XX/XXXX and was recently told verbally that a letter was sent to me in XXXX stating my package was incomplete. I NEVER RECEIVED A LETTER. So here I am in XX/XX/XXXX restarting the loss mitigation process. Sadly, the rep I have is n't knowledgeable she also ca n't tell me how my mortgage amount continues to increase yet my mortgage is fixed. She always says she will call me back and never does. Last complaint is a {$40000.00} Corporate Advance account fee I am being charged in addition to my principal interest amount. I 'm aware this amount is significantly higher as told to me by an attorney. Green Tree turned DiTech is fraudulent and I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: GREAT LAKES
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have my loans through Great Lakes, and for the 2nd year in a row, they have taken too long to update my Income Driven Repayment ( specifically, PAYE ) after receiving my application. My student loans are for XXXX ( located in XXXX ). Last year, they had my application approximately 1 month before my current PAYE plan would expire, and they failed to update my status so I had to go into forbearance for 1 month until they updated my account. This year, they 'll have had my application for more than 3 months before my next payment is due in XXXX, and again they did not update my account so my XX/XX/XXXX payment is set to increase by more than 10x, which I can not afford. I feel their delays at this point are intentional in order to get more money out of me, which is dishonest at best and more likely criminal. I called them today and was told I 'll be getting an updated payment schedule after XX/XX/XXXX or XX/XX/XXXX, and my payment will only more than triple due to my wife and I filing together and the associated increased income, and yet I had NO information for the last 2.5 months from Great Lakes that my payment would be increasing by that much. Right now, I 'm stuck waiting until after XX/XX/XXXX or XX/XX/XXXX to see if I receive my updated pay schedule like I 'm supposed to, and if I do n't, I guess I 'll conveniently ( for them ) have to go into forbearance again while they fix it ... again. This is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation