BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-15
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
i am a   XXXX   XXXX   doing a refinance for a client and she currently has  XXXX  mortgages. i have proof that her  2nd  mortgage that is a line of credit was never paid more than 30 days late,  yet Ditech is w illing to verbally admit they posted incorrecty but will not put this in writing therefore preventing me from closing this loan. I have a recorded line from the   XXXX   XXXX   company that i work with the states no  30-60-90 days late, but the history must match from Ditech . They stated they would fax a letter stating the month in dispute was not late however this letter has not arrived, 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 2021-12-29
Company: M. G. Credit, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original debtor is closes and is unable to contact the gym. I never had an account at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Experian Information Solutions Inc.
State: LA
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:
My monthly installments were paid before being turned over to collections. I also paid an extra future installment payment and ally financial agrees with me that my payments are up to date plus one month ahead of the billing statement.

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 2015-06-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian is reporting XXXX bankruptcies that they state they have verified. They have the wrong address and phone number for the BK court of NJ. How can this inaccurate information be verified properly if they have wrong contact info. Furthermore I contacted the BK courts and no one from Experian called to verify. or have contacted them in any manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
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: Personal information incorrect

Complaint:
Transunion does not want to update my date of birth correctly on my credit report. I have sent disputes to Transunion on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  with a copy of my driver 's license as proof but to this date, nothing has been done to fix this mistake. Transunion is reporting that I was born in "  XXXX  ''. This is not true! My correct date of birth is  XXXX / XXXX / XXXX . I am including a section of a recent report as proof of Transunion 's mistake.   XXXX   and   XXXX   have the right information but I do not know where Transunion is getting their information from. Why has n't this been fixed?

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 2017-02-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently tried to get my credit report through Experian. I put in all of my identifying information and followed the additional questions to help narrow down the selection. When I was given the report, it was actually for someone else entirely. It had none of my accounts or information. I called Experian customer service and they told me it was likely that I had keyed in my social security number incorrectly. My concern is that if I could get someone else 's report just by incorrectly keying in my social security number, surely someone could get anyone else 's credit history. In addition, what is the purpose of all of the additional identifying questions if their algorithm is so weak that it will give an incorrect report based on one incorrect component? What is to stop someone from blindly putting in information to get a random credit history? How can Experian justify the ridiculous tactics they use to lock people into paying for their service if it is so embarrassingly poor? I asked to receive a call back from a manager at Experian, but have received no call back.

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 monetary relief
Consumer complaint received 2015-11-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I currently hold a credit card with XXXX XXXX XXXX, which offers a maximum available credit balance of {$800.00}. Previously, I held a debt with this card of over {$790.00} ; however, I have paid the credit card down to {$280.00} a while ago. Thus, XXXX XXXX XXXX has not reported this correct balance on my credit reports, which reflects my credit card utilization ratio.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Asset Management Outsourcing, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
NATIONWIDE RECOVERY DOES NOT HAVE LICENSES TO OPERATE IN ARIZONA WERE I RESIDE.   THEREFORE THEIR COMMUNICATION TACTICS AND ATTEMPT TO COLLECT AN UNVERIFIED DEBT IS AGAINST THE LAW.   REMOVE DEBT / COLLECTION IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Modern Adjustment Bureau
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection Company : Modern Adjustment Bureau,   XXXX   XXXX   XXXX  , Ca  XXXX  They are attempting to collect for FULL payment for dates of service : date sub.  | date of. | Provider of Service Billed. Paid by to insur | service. | Amt Ins.    ______________________________________________________________________   XX/XX/XXXX  |  XX/XX/XXXX -   XXXX   XXXX   XXXX   XXXX   XXXX   {$2100.00} {$290.00} 03/07/2016 |  XX/XX/XXXX -   XXXX   XXXX   XXXX   XXXX   XXXX    {$2100.00} {$290.00} 01/08/2016 |  XX/XX/XXXX -   XXXX   XXXX   XXXX   XXXX   XXXX   {$2100.00} {$290.00} Modern Adjustment Bureau is attempting to collect a total amount {$6400.00} rather the the amount of {$290.00} for each procedure stated above.      Yes I admit I cashed the checks from insurance company, and in the past when I had gone to  XXXX  for my lower  XXXX   XXXX  procedures I had signed any insurance check (  s ) I  received signed over directly to  XXXX  ... For this particular procedure I received payment in the    XXXX    calendar year for  XXXX  date of services. At the time of  XXXX , I was NO longer seeking any more treatments. I also want to note that I NEVER received any invoice from the above provider for the due amount of {$870.00}.     I then contacted my insurance to attempt to find out how to address. Even though the above provider was NOT in my network, they did accept previous payments made by my insurance company and did NOT seek full payment for billed amount.     My insurance company has also noted that there are many dates of service where they did NOT pay, due to some accreditation as well as not being in network. But as I stated accepted the payment by the insurance company. There is now through the insurance documentation of this. As they stated to me, this is illegal. I have since contacted the service provider to explain my situation and stated that they would take the amount owed of {$870.00}. I also stated to them the Modern Adjustment Bureau has been making harassing phone calls and are belligerent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I w as sent 3 different c losure notices for accounts that were opened in my name. I have never been a customer of this bank. When I contacted the bank the said that the  XXXX  accounts looked like fraud. The accounts were opened with a  XXXX  balance, maintained a  XXXX  balance and then closed with a  XXXX  balance. All with in a months time.

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 2017-05-15
Company: Experian Information Solutions Inc.
State: IN
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:
I put in a dispute on  XXXX   XXXX ,   XXXX   with Experian credit bureau and tried to delete inaccurate addresses, I was told to call in, in which I did. I spoke with a representative named  XXXX  from team  XXXX . She was very rude, I tried to explain to her that the addresses associated with my credit report are inaccurate and that my name is being tied up to addresses that I have never lived at. She did not want to hear my dispute, after I got off the phone with  XXXX , I received an email that my dispute was finished. I looked at my new report and nothing changed. By law my disputes are to be investigated appropriately. It was not investigated appropriately because I received an updated dispute the same day. This is not legal, just because  XXXX  did not like my disputes or what I had to say does not give her legal action or rights to close out my disputes without properly investigating.

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 2016-11-03
Company: CASHCALL, INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received several phone calls at work and on my cell from a woman named XXXX. XXXX said that she was from XXXX and that they received a complaint from Cash Call saying that I took out a loan or credit line on XX/XX/2010 for {$500.00}. She said that Cash Call had exhausted all avenues to get the money back that they claim I took ( ie. bills to me, collections, etc ). She referred to case # XXXX and said that if I did not reach settlement today that she would be forced to sign an affidavit and forward it to the courthouse in Oklahoma. She said that I am guilty of trying to defraud a financial institution. I never took a loan out with Cash Call or any other pay day loan.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I disputed an error on my credit reports called   XXXX   XXXX  . The debt is not mine. All  XXXX  credit bureau came back stating they verified the debt was mine and it was accurate. There is no way that the credit bureaus could have verified this debt with these documents they sent me.   XXXX   XXXX   sent me something in the mail stating they verified its mine. It is not a validated debt so I have no clue while the credit bureaus would said they verified it. It states an address i never lived at before and just something that says how much i owe. The address also does n't exist. This is a volitation of the Fair Credit Reporting Act. ( FCRA ) Can you remove this from all   XXXX   of my credit reports? I have attached a copy of the letter that was sent to me. You will see it is clearly not a validated debt. It 's not even my debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This false reporting has caused me severe financial injury, defamation of character and mountains of stress. I can't get a new job. I can't apply for credit. My wife and I can't buy a new home. I'm crippled and reduced to low level apartments. I feel systematically oppressed. I also was denied an EIDL grant & SBA loan. Please help me fix this credit crisis.

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 2021-12-29
Company: Lennar Financial Services, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I was supposed to close on my home through Lennar Mortgage. The VA appraisal document was not provided in time. The lender explained that they submitted their request timely and made multiple attempts to contact the responsible party. As a result I am unable to close on my VA loan. This is my second official complaint dealing with Lennar. The closing manager called me and said that my paperwork was completeagain why would I not feel like this is an act of reprisal due to my initial complaint with Lennar. I would like a full report of all correspondence and documentation concerning my VA loan and communication with the Seller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This false reporting has caused me severe financial injury, defamation of character and mountains of stress. I can't get a new job. I can't apply for credit. My wife and I can't buy a new home. I'm XXXX  and reduced to low level apartments. I feel systematically oppressed. I also was denied an EIDL grant & SBA loan. Please help me fix this credit crisis.

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 2015-10-07
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
The company is Cash Central online. When I took out the loan the payments were scheduled for XX/XX/XXXX/XX/XX/XXXX but they started taking my monies out before the scheduled date. Yes, it caused me to bounce several times, and I am sick of the harassing calls at work. I emailed and told them numerous of times to please stop calling me at work and they refuse. I would like for this company to leave me alone b/c I am paying them but I told them I will stop paying them due to the fact they are so nasty, and they hate to answer your questions always talking about send an email. I would like to know what can be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This information was suppose to age off my credit reportr back in XXXX 2014. I have disputed the information as out the XXXX SOL but all my credit report udpated to say was 'account disputed by consumer meets FCRA standards '.

Company response to consumer: Closed
Consumer complaint received 2017-05-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My wells  Fargo b ank account has been sabotaged constantly since  2007  by the  XXXX  organizations "   XXXX   XXXX   XXXX   '' I have been paying bills without my consent. the   XXXX   working in the bank are sabotaging my account. it is been reported to the Bank over and over again and the bank is been informed and the problem is being confirmed by the bank through statements and letters, but nothing has been done to prevent it. my debit card is been blocked only " which has nothing to do with the problem '' even my bill payments are being sabotaged by this people, the last  one  was payment directed to   XXXX   being sent to  XXXX  car insurance with which I have nothing to do anymore, just to tell me how helpless the system is in stopping the harassment of the organized religion.   please stop financial injuries that I have been going through since  2007 .

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 2017-05-15
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was in an auto accident on XXXX/XXXX/XXXX - taken by ambulance to XXXX ER. <P/>I was not at fault. XXXX XXXX pending. <P/>XXXX XXXX service took me to the hospital at the time of the accident. At the hospital, insurance information was provided to hospital as well as the ambulance service. <P/>I have an Attorney handling my claim. Attorney XXXX XXXX - XXXX His office provided the auto insurance information and also stated that the case is still active and pending demand. <P/>National Ambulance service XXXX - prematurely sold my account to XXXX XXXX XXXX - XXXX without submitting to health insurance or auto claim. XXXX XXXX XXXX put this auto claim invoice into collection, ruining my credit score. I am in the process of buying a home and this issue is ruining my chances of purchasing my first home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian locked me out of the online dispute website stating that I was disputing frivilous information, on XXXX XXXX ACCT # XXXX. Back in XX/XX/XXXX it XXXX XXXX XXXX and the first date of DELQ. was XX/XX/XXXX. As you will be able to see by looking at the XXXX examples that I have submitted for supporting documents It is n't frivilous at all it is a valid claim and I would like the tradeline removed and a new updated copy of my credit report and score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Name ( XXXX XXXX XXXX ) and address of XXXX are not correct. Seems as if someone at that address might have tried to get credit card

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-17
Company: GABA LAW CORPORATION
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
XXXX ( as XXXX ) is committing fraud on behalf of Gaba Law Corporation in their serving process. According to their clients, I was served In XXXX 2014 with a lawsuits from XXXX by a person named " XXXX XXXX '' Upon calling and searching for a way to contact XXXX ( as XXXX ), I have asked for the full name of this person who supposedly served me which leads to a circle of the attorney and XXXX ( as XXXX XXXX ) telling me to call the other party about the server 's full name. 

I am at my wits end with this matter, due to the fraudulent service of this company 's employee leading to a default Judgement against in a that I was n't able to defend myself from. The fraudulent service in question was a substitute service given to a " XXXX XXXX '' who does not exist. 

The company 's name is listed on the documents, however they wo n't give me the person 's full name. Their client Gaba Law wo n't give me the person 's name and tells me to refer to the sheet, which is illegible. XXXX XXXX XXXX is acting fraudulently and should be found liable for violation of the FDCPA for falsifying information on legal documents in order to collect a judgement. Even the phone number that was listed on the legal documents was false.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
we were harrassed and good credit threatened for 6 days because a payment they electronically took out of my bank account, they applied to a wrong account ... ..nothing on my end ... .all the error on their end ... .and they harrassed us saying they were going to charge us a late fee and report us for late payment when all along they had already taken money out of my account electronically ... .the bank printed it out for me ... they harrassed and harrassed us it was very stressful getting this straightened out and it took alot of phone calls and then we still got robotic calls ... ..

Company response to consumer: Closed with explanation