BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX is reporting a Inaccurate account on my credit report, The account is not mines and XXXX XXXX XXXX XXXX XXXX has failed to verify the Accuracy of the account in question, I have no sign contract with XXXX XXXX XXXX XXXX XXXX They are Illegally putting things on my credit report

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 2017-05-12
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good morning. Back in  XXXX  I became unemployed and was experiencing difficulties in making my mortgage payment. I attempted to modified my mortgage on various occasions with my mortgage company. Finally in   XXXX   XXXX   XXXX   they offered me a " streamline  XXXX   XXXX  and I started making payment of {$670.00}. Later they stated that I did not qualify. I applied to to modify again in   XXXX   XXXX   and was granted  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .     The problem I am having is as follows :  1 )  Every year since  XXXX  my escrow account is short by a significant amount of money. They spread the shortage over a period of  XXXX  years. I call for explanation each and every time I receive the notices they can never provide me with a straight answer. I an aware that my escrow account can vary depending on my taxes & insurance. However I have reviewed my taxes & insurances and the increase over the years have not been so high.      2 )  When I modified in   XXXX   my unpaid principal balance was {$86000.00}, and my  XXXX  was {$640.00} with a maturity date of   XXXX   XXXX   XXXX  . In signing the documents they include a " Balloon Payment Disclosure '' of {$51000.00}. I called and asked if this was in addition to my original principal balance of {$86000.00} they said NO. It would not of made any sense for me struggling to pay {$86000.00} to incur an additional {$51000.00}. I have even requested a payoff to make sure that this amount is not part of my balance. In addition my husband called mortgage company on   XXXX   spoke with rep ID #  XXXX  and he stated again that he does not see any balloon payment on our loan. My greatest fear is to LOOSE my home which I have been struggling to pay because of my mortgage company mishandling our account.     If you can please HELP me with these issues as every time I reach out to my mortgage company I get a rep that does n't have a clue and are unable to clearly explain solutions to my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: SYNCHRONY FINANCIAL
State: MD
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:
I have filed a dispute in regards to inaccurate items on my credit report. It has been well over 30 days and I have not received any results with investigation.

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 2016-10-25
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
My name is XXXX XXXX, on XXXX of XXXX 2016 i transfer the amount of XXXX Us Dollar to my father in XXXX through Money Gram and Today is XXXX of XXXX 2016 and he still not yet received, he went to more than three Money Gram agency they told him there is no transfer under this name, now been tow Days trying to find out whats the problem? the costumer service person keep saying is on hold because of verification when i ask why she said is because of money laundry, i asked what i should do? they said that the receiver need to call the Money Gram office in XXXX to verify his identity, the receiver try to find a contact number he could n't find it and i called 3 times this morning to get costumer service contact number they gave me this XXXX and the other lady gave me this XXXX none of these contact work?! when i ask i wan na cancel the transaction they wont cancel it unless the receiver call and get verified, i ask for a manger so can provide me with more info they refuse to escalate the call to a manager. 
i been sending money through XXXX XXXX for years i never experience such a horrible miserable horrible experience and trashy nasty costumer service, am frustrated angry mad because the person waiting for money for medical propose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Continued attempt to collect debt not owed. I do n't owe any medical bills and had   XXXX   on the date this collection opened. I have disputed this information prior and this error continues to be reported inaccurately on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My wife purchased clo thes from   Macy 's and  we never received the bills until a paper bill was sent after the card was 90 days past due. They charged us over {$100.00} in late fees and other interest charges. I called to inform that they

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 2017-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX    XXXX   XXXX   Opened  XXXX   XXXX ,  XXXX  {$170.00} Original creditor :  XXXX    XXXX   XXXX   I have legal documentation that this account was stated as CLOSED and that their would be no further financial obligations as of  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 2015-03-31
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: CARD Corporation
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I lost my card, someone took  XXXX  $ off my card, called my card in lost. They stated to me that I had to send in a depute form, & a address change, I finally got my card after a whole month of them saying the documents I sent was a erro because they could not see it, finally after the  3rd  time of me spending it they sent out a new card. Now they are saying because they did not see the depute form in 10 days that I will have to wait  45-90 to  hear if I will get my money back, mind you I sent it to them more then two times. So how is it my fault if they could n't see it & they never respond to me saying it was a problem I had to call them to check on it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: GVA Holdings, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
A {$500.00} loan. They debit weekly {$84.00} starting on the  XXXX  ( a week after receiving ),  XXXX  payment bounced so I paid {$200.00} today. So I 've paid {$360.00} and still owe {$380.00}. The fees are illegal in michigan. They are accruing weekly what should be monthly.     They debit weekly and charge fees weekly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: GUARANTEED RATE INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Guaranteed Rate Mortgage Company has blocked my request for application to remove PMI from my mortgage loan. They have also not made payment from escrow to pay for my property flood insurance. I have included a dated paper trail of my request. I emailed on XXXX requesting PMI removal from my loan due to its increased value above the 75 % LTV thresh hold. I included both a pre and post renovation and improvement appraisal showing the home was worth XXXX and is now valued at XXXX. The mortgage note was 3 % down on a purchase price of XXXX. My current note payoff is approx XXXX. My calculations put my current LTV at XXXX = 64 %. Guaranteed rate responded twice with the only option of requesting an appraisal at cost, and paying off the original note at current cost and pay them XXXX dollars. I then completed a final request on XXXX which stated that my request to remove PMI should be based on current LTV, and that I requested the 2 year seasoning waiver which is allowed per HUD rules for significant property renovation or improvement. I have heard no response from Guaranteed rate and I would like to report them for deceptive banking and blocking my request for PMI removal. 

The second issue I am having with the bank is that they have not paid my flood insurance out of my escrow account. I received a letter on XXXX from GR stating that they had no proof I had flood insurance, and that they were obtaining insurance at my cost on their behalf. THEY PAY MY INSURANCE THRU ESCROW!!!!. I contacted my insurance agent promptly and had her verify that GR was named on the policy. She has requested by fax, and phone, payment for this flood policy. It is now XXXX and they have still not made payment. This is absolutely unacceptable behavior. My insurance payments should be made promptly by my mortgage holder who is responsible for escrow payments. 

I do n't know if the XXXX issues are related, but I request that this Mortgage company be investigated for these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: REGIONS FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fleetcor provided TOS that it guarantee fraud protections with its cards to prevent theft. Charges start to appear on account that ws suppose to be closed. I had asked for proper documentation to dispute debt. But in XXXX FTC filed complaint about it fraud protection and other practices that are illegal in federal court Case XXXX. I have the complaint form to this document I will provide. I had informed the company these charges are not mine and I am disputing them. No form ever arrived or with various communications with the company Fleetcor nothing ever arrive. I am party in the lawsuit being a client the company Fleetcor has sent this account collections XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX. Violating court order while proceeding are on going. No attempt shall be made to collect any debts until settlement is determine in the case filings. But yet I still receiving such letters even provided the complaint to agency tell them to stop harassing behavior and I infomed them next step is lawsuit

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 2017-05-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had an issue with Experian over a year ago. They kept putting incorrect information on my credit report, bringing my score down. In    XX/XX/XXXX    I had a  credit score  of  XXXX . On   XX/XX/XXXX  my score went down to  XXXX  due to a payment of {$140.00} that brought my credit card balance to  XXXX . My score has gone up  XXXX  points to  XXXX  as of  XX/XX/XXXX  with about $ 75k less debt. I find it interesting that the other credit bureaus have been changing a few points up/down depending on balances. Experian stays flat. FOR ALMOST A YEAR? that makes absolutely no sense. It also does n't make sense that my score would drop because I PAID OFF a {$140.00} debt. I am typically debt free. I have over $ 85k in credit available and pay off each credit card prior to the statement due date ( so I have no debt ). I 've paid massive amounts towards my auto and home loans, and have never been late, yet my Experian score has not changed since the  XXXX  point drop. That does n't seem right, does it?

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 2017-05-12
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech is the servicer on my mortgage loan. I have not had an escrow account in years. I paid my  taxes in full the end of  XXXX  for the full year of   XXXX  . Ditech sent me a statement on  XX/XX/XXXX  and attached an escrow account and billed me for it. By law they are not allowed to do this unless I am delinquent on taxes or insurance. I am not. My mortgage payment on my loan terms is {$640.00}. I have automatic withdraws on my bank account and they are taking {$970.00} a month. I called on     XXXX   XXXX   XXXX     when I realized what happened. I spoke with  XXXX  in the  Tax Dep artment. She said it would be corrected in  5-7 days. S he admitted that they made a mistake and paid  XXXX   county  my taxes for   XXXX  . I faxed them on the same day proof I paid my taxes to  XXXX . I received confirmation they received this. In   XXXX  , they charged me the correct amount of {$640.00}. On  XX/XX/XXXX  I called again and spoke with a  manager  named  XXXX . These calls are recorded by the way. She said there were waiting for a refund from  XXXX  county before the refunded my money and quit charging me for an escrow account. She mentioned it was their mistake as well. However,   XXXX   and   XXXX   they took {$970.00} again. I called back on   XXXX   and spoke with  XXXX   XXXX  in the tax department of  Ditech a nd his  manager   XXXX . They both promised it would be resolved in a few days as well. Now they are taking {$810.00} out of my account. This is the  XXXX  month that I 've had to take an hour out of my day to call and try and get them to stop taking my money. This is illegal and it 's not my fault that they made a mistake and paid my taxes. My loan terms clearly state that I do not have an escrow account. I 'm frustrated, want my money back with interest and want them to stop taking money from my bank account illegally. I can n ot imagine how many other people they have done this to. I 'm sure I 'm not the only one.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I asked them to verify the debt and they sent me a printout of a paper showing the amount they are saying I owe to the credit bureaus. I asked them to provide information with my signature or something from the original creditor showing that they have the right and authority to collect on this account and they have not. They put the account on my file and then sent me a letter saying they have mad XXXX attempts to contact me. I was willing to pay the debt up until they did not provide the requested documentation and after XXXX contacted the original creditor and they informed me that no such account exists in their file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: CREDIT ACCEPTANCE CORPORATION
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My husband I obtained an auto loan through this company and kept the account current. On or about XXXX XXXX, 2016 the vehicle was involved in a fire and was deemed a total loss. At this time the auto loan had a balance of {$7300.00} My primary insurance issued a payment on or about XXXX XXXX in the amount of {$3900.00}. Gap insurance issued a payment on or about XXXX XXXX in the amount of {$2900.00}. Afterwards, I had made several attempts to set up payment arrangements that were satisfactory to XXXX parties ; unfortunately they were unable to accommodate a payment plan without issuing a derogatory mark on my credit report. When I called to today, XXXX XXXX, 2016, to pay the full balance they informed me that they reported that my payments were XXXX days past due. I stated that it has only been XXXX days since they received a payment and I believe that there is 30 days to make a payment since the last payment, so if anything I would be XXXX days past due. I paid the balance in full in an effort to minimize the impact that this account will have on my credit report.

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 2020-10-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received documentation back in XX/XX/2020 from Portfolio Recovery Associates stating that I have an account in collections with them. I responded to the letter asking for verification and they never sent me any verification of debt. I sent them a cease and desist and they continue to contact me by phone. They also continue to report this debt on my credit report saying XXXX days late when its a collection account. This illegal activity is hindering my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Eagle Accounts Group, Inc.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My doctors office turned me over to collections in XXXX ( Eagle Accounts ). I made a payment in full upon finding out to Eagle Accounts. When visiting the doctor previous appointments I paid my copay and I was not told I even had another balance. I paid Eagle Accounts XXXX/XXXX/2016 in full and as of XXXX/XXXX/2016 they had yet to report payment or send payment to my doctors office in which I was told when trying to make an appointment that my account had been terminated due to non payment. I sent the doctors office proof of payment and I am waiting for Eagle Accounts to confirm. It has been 7 months and this has not been resolved on my credit report or doctors office.

Company response to consumer: Closed
Consumer complaint received 2017-02-02
Company: NCC Business Services, Inc.
State: AR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Dispute letter sent requested verification and validation documentation required by the fcra in the timely manner given and no correspondence and not removed. Improperly reporting to my credit report with. Not legitimately collecting in short.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
When my husband was laid off, at the suggestion of the credit union, we modified our loan agreement to make lower payments  ( we were paid ahead ) in case we had difficulty making payments. My husband got a job  a few weeks later. We were never late or deficient. We moved and paid off the mortgage completely in  XXXX ,   XXXX  .     TransUnion continues to show that account as " Paying Partial Pmt Agmt ; Closed '' which reduces o ur credit score and re sults it being flagged with " Serious Deficiency ''.     They have continued to do this even after we have disputed it, even after the bank has provided a letter stating the facts of the matter, and even after MORE THAN 7 YEARS after the supposed " delinquent '' account has been closed.

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 2015-12-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 'm filing a complaint because Equifax has not provided me with the documents that their company has on file to validate and verify accounts I requested as I do not recognize those accounts. Please resolve this issue ASAP. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation