BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-27
Company: Bridgecrest Acceptance Corporation
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle from XXXX and was Financed by BridgecrestXXXX, I traded vehicle in and the loan was paid off. I also purchased extended warranty and GAP insurance thru them and are due a refund of those monies ( prorated ) as I only had the vehicle for 8 1/2 months. I have been attempting to get a Letter of payoff from them and they keep transfering me to different departments The letter of payoff is required by their extended warranty company ( XXXX ) for me to get my refund, at this point after two weeks of attempting to get the letter sent I have had no luck in receiving it. First was told to wait 10 days before making the attempt to request the letter, and after doing so have gotten a run around in contacting someone to send to me. I have followed all their rules and policies to get this situation resolved and has been to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 30 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress caused on me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person ( s ).

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 2022-10-01
Company: EQUIFAX, 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:
Equifax keeps adding and dropping my credit score every other day XXXX day they add XXXX points the next XXXX days its back up XXXX points! There is no changes to my credit report for any existing data or new data statements that dont state any reasons why my report keeps going up and down for no reason!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked PDQ Services Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

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 2020-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
We are a family off 8 trying so hard to buy a Home but the credit bureau are fausly reporting the wrong information like my credit is so poorly no matter what I do my credit stay the same I feel like its racism to stop me to buy a home I am asking please help me so me and my family can get a place call home please remove and delete all the unfair information on my credit so I can move on with my life, XXXX lives matter, my family deserve a better life, the credits bureau keeping me and my family from buying a Home .destroying XXXX peoples from moving forward

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 2015-10-15
Company: CAINE & WEINER COMPANY, INC.
State: CA
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:
Received information concerning a debt.Unaware of debt never and contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Loan is seriously overdue and approaching foreclosure. I think this was predatory lending and loan has been sold to XXXX companies. I have repeated ask for sale in lue, short sale, and other options because I have problems paying mortgage since I moved away during a military move and I have recently divorced. The Mortgage also has PMI insurance. The company has stated that they could not attempt to modify the loan before because I needed to show a good payment history. I have not been able to maintain a good payment history and that is a part of the problem. I am currently XXXX to XXXX as a XXXX and really need help keeping this loan our of foreclosure.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: Dream Center Education Holdings
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I went to the XXXX XXXX XXXX XXXX XXXX XXXX, and was severely overcharged for a total tuition of around $ XXXX. They added on additional classes that were not part of the agreed curriculum I signed up for, in addition to receiving minimal instruction/education to perform less that the minimal functions in my area of study. My demo reel is not up to industry standards ( due to failure of instruction ), yet was approved by instructors. I did not receive job placement assistance, and have been unemployed ever since graduation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: NCC Business Services, Inc.
State: NJ
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:
NCC XXXX based out of XXXX, FL, have been calling me Monday through Friday from approximately XXXX to XXXX, for the last month without fail. They have my Brother-in-laws, my wife 's, and my information claiming we owe an apartment complex a varying amount from {$2000.00} to {$4000.00}. Everytime I spoke to a representative, it was a different amount. I have asked them to stop calling until they get their story straight.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The person who is responsible for the debt is not at this number. The debt collectors call almost everyday ; it is a robocall. They even say if the person is intended is not the person they are trying to reach is not the intended person, to not listen to the call. Nevertheless, they make the same call ALMOST EVERY DAY. I need them to STOP!!! These calls have been going on for more than six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2016-08-22
Company: BB&T CORPORATION
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
i purchased a 2009 Hyundai sonata from XXXX XXXX XXXX XX/XX/2016 my down payment check bounced due to insufficient fund of XXXX dollars i was financed through regional acceptance corporation with a car payment of XXXX currently I 've had the vehicle 90 days and agreed to pay car note until i found out registration or vehicle is not titled to me on the memorandum title to obtain hard plates, i was told the vehicle is still in XXXX 's name even though i 'm currently approved for a XXXX dollar loan i was contacted by XXXX police also about the check, XXXX states give them regional 's money and the XXXX making a grand total of XXXX or there is no deal! i disagreed with that amount and was told return the vehicle, i said OK but only if the loan is being canceled so i can submit a new deal somewhere else, i went to another dealership and tried to purchase another vehicle for the same amount with a new credit application and it was denied because i 'm still being told if i give this car back it is a voluntary rep o, when that 's not the case i feel 90 days is more than long enough for a vehicle to go in your name also XXXX lied and told regional that the car was in my name when it 's clearly not, the police has called everyone on my credit application, also the fact that my check bounced do n't make me a criminal the account is still open and active and a direct deposit went through that same month bank had took my check due to fees a payment arrangement could have been made with XXXX but now the situation has went too far. i would like to be done with XXXX but in a civil manner and not at the expense of my freedom or me not being able to purchase at a different dealership or bank.

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 2015-06-30
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My complaint is with Green Tree. They are forcing an escrow on my loan after I was late with my property tax payment in XX/XX/XXXX. They say they sent me a letter requesting proof I paid the taxes. I never received any such letter last year. In XXXX, they paid my property taxes without asking and then sent me the bill in XX/XX/XXXX. I talked with their customer service and they asked me to send a request to remove the escrow. Then, XXXX XXXX who does their escrow 's for them made a request from our property tax, municipal utility and levy improvement district to return the taxes, saying they were paid in error. I have re-sent the same documentation to them XXXX times ( I have the fax receipts in my computer ) to rid myself of this unwanted escrow. I have called customer service again and again and for the most part they are helpful but have always asked me to send the documentation again to the same fax number as they " have n't received my documentation ''. Finally, in early XXXX ( the XXXX ), after I noted the escrow still had not been removed, I determined I had had enough of this. Back in XXXX when this started, I tried to just pay my regular payment, I was hounded by them to pay the remainder or they would report me as late, etc ... So, I sent them a message on their site in XXXX telling them they had XXXX days to get the escrow removed or I would seek assistance from the CFPB and the State of Texas. I reminded them of the $ XXXX judgment against them earlier this year and impressed upon them that I would be happy to be part of another judgment against them if they did not comply. I received a letter from them on XXXX saying they would contact me within XXXX days of the date of my email. They have until next Monday.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX my mortgage was sold to Select Portfolio Servicing I continue to pay without any problem. Previous XXXX XXXX XXXX XXXX was my mortgage company. XXXX XXXX I giving XXXX permission to do a electronic draft from my bank account. XXXX they did and XXXX they did. I receive a letter stated they a sold it to Select Portfolio Servicing. On XXXX XXXX, XXXX XXXX went in my checking account and took out XXXX unauthorized. I did not give them permission I was not with this mortgage company no longer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1 ) Do not frequently send out bill. 
2 ) Receive payment but do not cash it on time ( lie about the payment loss by mail ) in order to charge late fee. 
3 ) Rude customer services. 
4 ) Account receivable could not be coordinated ( charge XXXX payments in one month ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX payment is due 1 but not late or occur late fees until XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX I receive 3 calls from Planet Home Lending in attempt to collect payment. I have no history of being late or missing payments for 7 yrs. I call and the message before you get a real person stated we are attempting to collect Debt. The rep stated You have n't paid you mortage and we are trying to get payment. Well yes.. I have it came out of my bank about ( I am thinking she is talking about my XXXX bill ) on XX/XX/XXXX- NO it did not post you did n't pay it she says. I then get angry and advise she needs to check on this because it was paid and deducted from my bank about.. " NO it did n't post and we are collecting you debt '' she says again. I hang up and call back beyond flustrated. The same message comes out about debt collectors for Planet Home Lending.. I ask the rep is this for XXXX? Yes Maam we have n't gotten XXXX payment.. 
Well, is it late? I believe I have until XX/XX/XXXX before it is late why is debt collector calling me.. Well Maam it is a courtesy call and you have to understand. Well NO I do n't have to understand.. they just stressed me out for NO reason and I believe it wrong to do a so called reminder call under a Debt Collection. Especially since I have NO history with them for being LATE or Missing payments to start. Also, if a reminder why 2 days in a row? IT is not what the recordings say - they say Debt Collector there fore it is misleading and border line fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with DITECH which is a XXXX mortgage. It was first with XXXX Then it was transferred so many times without giving me a goodbye notice or anything. Now Ditech is stating that I owe them XXXX that is not accurate. I sent a validation request to Ditech as permitted under the law of the FDCPA. Ditech refuse to validate the debt. This is theft. I do not XXXX please help me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hello, I have received a copy of my credit report with the intentions of trying to improve my credit report multiple times and take care of myself and my child due to being homeless. I noticed a few accounts that i wanted a little more information on and did not recognize. I am not saying they are reporting right or wrong. I am just saying that i am not 100 % sure if they are. I also read the Fair Credit Reporting Act where it said by law I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to yall. 

Are you familiar with something called 15 U.S.C. 161i ( a )? I read that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 % right and correct. I also saw on the credit site and board where this lawyer said you have 30 days to complete this investigation.

I AM NOT SURE WHY THE CREDIT BUERAUS CAN NOT PROVIDE ANY PROOF OF THE ACCURACIES OF THESE ACCOUNTS BUT WONT DELETE THEM!! THEY ARE NOT CORRECTLY DOING THEIR JOB. 
THE ACCOUNT NAMES ARE AS FOLLOWS. 

1 ) '' XXXX XXXX XXXX '' -ORIGINAL CREDITOR WAS XXXX XXXX XXXX XXXX BALANCE:XXXX  AND WAS UPDATED AS ACCURATE ON XXXX. THIS BALANCE WAS DISPUTED SEVERAL TIMES. 

2 ) '' XXXX XXXX XXXX '' -ORIGINAL CREDITOR WAS XXXX XXXX.BALANCE:XXXX  AND WAS UPDATED AS ACCURATE ON XXXX XXXXTHIS BALANCE HAS BEEN DISPUTED SEVERAL TIMES. AS I DISPUTED THIS THE BALANCE DECREASED FROM OVER XXXX YET THEY WONT DELETE IT. 

3 ) '' XXXX XXXX XXXX  '' - ORIGINAL CREDITOR WAS ESURANCE AN XXXX XXXX BALANCE WAS XXXX $ .THE BALANCE WAS UPDATED AS ACCURATE ON XXXX XXXX. 

PLEASE HELP ME THIS IS NOT FAIR!! 

In accordance with the " Fair Credit Reporting Act XXXX Account numbers XXXX, has violated my rights. 

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2015-05-28
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree Servicing Company paid my Real Estate Tax in the amount of {$4600.00}, but I am part of the Long Term Occupancy Program for City of XXXX, and my Real Estate Tax are {$1600.00}. I contacted Green Tree to inform them, because they increased, my mortgage payments based on this transaction. I informed them of the Long-Term Occupancy Program, and they should follow-up for refund. This was not done, so I called the City of XXXX and was informed all Green Tree has to do is submit a Refund Petition with copy of the cancelled check and the City of XXXX will refund the money to Green Tree. Therefore, Green Tree has over charged me {$2700.00} in additional payment to my mortgage, because their negligence has affected my escrow account. I have called Green Tree for the last XXXX - XXXX months to try and resolve this issue with no satisfaction. I have put my concerns in writing, and it is like I am talking to the wall.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-11
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I spoke to the original company with DEBT and they said that the TRADELINE HAS been DELETED for that supposed debt. According to the original debt company the TRADE LINE was already deleted and no one after that should be contacting me that I owe a debt. When none of the information on file for that debt collector for me was inaccurate. But according to DEBT RECOVERY SOLUTIONS IN NY, I still owe the money to the original debt company. I told them I found out about the debt bc I am getting ready to buy a home and the individual from that company told me " I WILL NOT BUY ANYTHING TILL I PAY THEM OFF FOR THIS DEBT '', the individual that I called was harassing me bc I will not be able to buy the home am looking to buy bc of this debt. He also told me that he knows what happen bc I did not know the address he had on file for this debt, he was saying that I did all of this and that he already heard all the excuses so that whatever I said was not true at all. When I told him I was not even in the state during that time frame of the debt and not to mention the address they have on file I do not even know. I forwarded DEBT RECOVERY SOLUTIONS the letter from XXXX the original debt company that the TRADELINE has been deleted.

Company response to consumer: Closed with explanation