BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-18
Company: Ditech Financial LLC
State: NC
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 recieved a letter from green tree servicing about a moble home they say i owe for in 1990 ... ..i have never had a moble home, they say the account number is # XXXX the creditor was XXXX XXXX XXXX ... ..I have never had anything with XXXX XXXX XXXX,,, and they really did not have any info on this ... to say i owe something from 25 years ago ie stupid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXXXXXX XXXX and XXXX XXXX, I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. The 3 credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. 
XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : 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 explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
False items need to be removed from my report as it is causing hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
We signed up Bank of America credit card auto pay program over a year ago online. The web pages shows " Amount due '' and we did not do anything. It went well as our amount due was always paid automatically with a draw from our bank, XXXXXXXX XXXX, account ( see attachment BA 6.17 ). However, we were charged an interest of {$31.00} in the XXXX 2020 statement. We realized the issue and called Bank and was told that only minimum payment was paid. We complained that we did not change anything and why the system collected only minimum payment. The lady said she could not do anything. We called a second time and told them we would cancel the card if the problem was not resolved soon. The lady said she would file a complaint and reply us in a few days. We never got a reply. We were again charged interest the following month for {$17.00}. We called the bank again and this time a lady said she would cancel the {$17.00} interest but she could not do anything about the {$31.00} but she would file a complaint and we should hear back in three days. We never heard back. We complaint that it was the error in the bank 's system that caused the interest. We never select pay minimum payment. We did not even know that was an option until the bank told us. So we are not responsible for the interest {$31.00} occurred.

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 2021-06-22
Company: Convergent Resources, Inc.
State: NY
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 filed a dispute in regards to the incorrect items on. my credit report, it has been well over 30 days and haven't received any investigation results.

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 2022-03-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I recently spoke to a live person a Equifax and nobody is able to get my credit file or credit report. Every time I try the Equifax website I get a message saying we are unable to get your credit file, report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have sent numerous letters to all three credit reporting companies. Transunion, XXXX, and XXXX about fixing the inaccurate information on my credit file with XXXX XXXX of jewelry. wanting them to fix incorrect information that displays on my file. I get a generic response back saying the information is correct and verified but '' Date last updated '' shows XX/XX/2018. if a proper investigation was done the date updated should show a date within XXXX  days from when the letter was sent. XXXX standards of reporting are certainly unlawful, unethical, and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least {$1000.00} per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged.

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 2022-07-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
When I first got the XXXX XXXX  credit card the XXXX  XXXX app was not the best to use, it was difficult to use, and the payments didn't show up for weeks, It was getting me confused, I always had auto pay on for all my cards and loans, but somehow on XXXX XXXX  they accused me of XXXX late payments and they closed my account, however, I fully paid the balance and even the late fees that were not my fault, difficult to use the software was the problem, and another problem on the back end of XXXX  XXXX by not sending me statement bills, payment bills, and even auto pay function was not working properly.

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 2017-01-25
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My Loan is with Navient. I have XXXX loans totaling $ XXXX which were opened in XXXX. I did not get to finish school or graduate. I have been a single mother all these years and not gotten child support regularly so could not afford payments. Deferrments ran out. I Was not aware that I had an IBR back in XXXX because the repayment amount was {$0.00}. I have applied and been approved for a new IBR which began XXXX for {$31.00} and that I have paid. I have called customer service twice because the still have a past due amount showing which they are adding late fees and not showing anywhere that i have the IBR. My call on XXXX/XXXX/XXXX I was told if I enroll in auto pay, that they would erase the past due status and only take out {$31.00} on the XXXX of every month. Today I get XXXX emails saying different crazy things so I checked on my account online and they show that they will be taking {$150.00} out of my account with auto pay on XXXX/XXXX/XXXX!!! I calle dand spoke to a customer service agent and she just talked over me at first then researched why they changed the payment amount. She came back on the line and said that my account online will show that they are taking out {$150.00}, but not to worry they will only be taking out the {$31.00}. I have tried to call and work with them since XXXX of XXXX and they will say one thing one day and something different the next. I have documentation that they approved the IBR and the amount. But they will not reflect it on my account anywhere. The customer service agents do not speak very good XXXX and they are rude, nobody wants to help you. How can they cheat people who are really struggling and trying to make good on their debt. I make {$13.00} per hour and that is what I live on as a single mom. Please help in some way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
As a consumer, I have rights that are given to me to protect me from misinformation being reported 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 2018-07-26
Company: Experian Information Solutions Inc.
State: NY
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:
Back in XX/XX/XXXX, I noticed my credit score had dropped, due to a balance on my credit card that was processed at the end of XXXX. I immediately contacted the company to report the fraudulent charges on my account. I had not used my account in over a year. Unfortunately, I had discovered that my data was compromised during the XXXX breach. XXXX XXXX confirmed that the charges were fraudulent, and as instructed, closed my account in XXXX. 

Although my account was closed in XXXX, my credit report reported a late payment for this account. When I spoke to representatives, they had assured me XXXX XXXX twice, that my account was resolved and closed, with no balances. This late payment is categorized as 30 days past due for XX/XX/XXXX, how? The company closed this account in XXXX! 

In XXXX, the company instructed I send the company a letter, explaining my situation and how my credit score dropped over 100 points. I did not hear back .... I called in XXXX, and spoke to upper management and they assured me by XXXX, the changes will be reflected. I called in XXXX, and it was still not reflected, the representative stated it takes 30 - 60 days, but no longer than 90 days. I was then told XXXX definitely. It is near end XXXX, my credit score is still the same ... and this has been a traumatizing experience of over 6 months handling with no progress ... .. I am supposed to apply for a mortgage and this has been very disappointing.. I don't know how else to resolve. This case should already be open on the credit lender.

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 2022-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Capitol one credit card for XXXX reported no payment made on my account for XX/XX/2021. Attached statement shows payment made and processed in XX/XX/2021 and they still report no payment made for XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: AL
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:
The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. Experian, XXXX, and XXXX are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.

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 2022-03-23
Company: EQUIFAX, INC.
State: AL
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:
The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. XXXX, XXXX, and Equifax are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: Ditech Financial LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/15 my bank sent an electronic mortgage payment to Greentree Servicing for {$1500.00}, ( confirmation # XXXX ) since I had forgotten that the payment had just gone up due to escrow, on XXXX/XXXX/15 I had the bank send the remainder of the payment {$23.00} ( confirmation # XXXX ). For a total of {$1500.00} which is what my payment is. ( This payment was for XX/XX/XXXX, I was a little behind ) The payment shows up on my account when I log into my account on GT 's website, but they have not yet applied it. I 've talked to XXXX different people and they 've all told me, they see the problem and will fix it. I 've also sent XXXX emails to them and all I get back is a letter saying they will look into it. Instead, on XXXX/XXXX/15 I receive a " Notice of Default '' that my XX/XX/XXXX payment is now 60 days late and I have 30 days to catch it up. I think they did this on purpose to throw my account into Default. It should not take 30 days to credit my payment, as of this date XXXX/XXXX/15 it still has not been applied. I 'm still getting rude, harrassing phone calls telling me my XX/XX/XXXX arrangements are not acceptable. They 've sent a guy to my house to collect, which I refuse to give to him, since I do n't if he 's truely from there or not. I did n't have any arrangements and the payment was made 30 days ago, just needs to be applied to the principle, interest and escrow. I do n't understand why it is taking over 30 days to apply it. I always have my bank make the payment electronically and it shows up on my account the same day I make it. One lady told me, it was n't going to the right division, which does n't make since if it shows up on my account, they are obviously recieving the payment. I want this payment applied to my XX/XX/XXXX payment like it 's supposed to be and the " notice of default '' rescinded. As I was NOT 60 days behind when the notice was sent. Yes I do owe for XX/XX/XXXX still, but that only makes me 30 days behind and they do n't send out notices unless it 's 60 days behind. However, I 'm afraid to send them anymore money until I know it 's going to be credited to my account in a timely manner. They see the payment there, why ca n't they apply it. Not to mention, they 're reporting to my credit that I 'm 60 days late, which is clearly not the case. Tired of their incompetence and harrassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-13
Company: ERC
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:
I contacted XXXX in XX/XX/2019 about an error reporting on an account in which they replied saying it was verified as correct. I sent another letter pointing out that same error and they replied the same in saying it was right. XXXX  failed to perform an actual investigation but simply mirrored what's already in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Money was sent to me through Zelle to my XXXX bank for the amount of {$5000.00} and I asked the back to send it back to the sender. I explained I know the person I just wanted them to receive it right away. They said it was not able to be sent back right away because it was not posted but call back next day and they can. I called back I was told to wait 5-6 business days still the sender didnt receive the money. Please help its been going on for over 45 days I spoke to chase for hrs and hrs they cant help. The money is stuck some where. They keep telling me its out of my account and they are not responsible. I already filled the complain for chase back and now I need Zelle also to be investigated. The money is lost somewhere and its not at XXXX  XXXX XXXX which is the senders bank. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am disappointed to see the Credit Bureaus doing nothing to correct my Credit Report despite the multiple letters I have been sending requesting that the Credit Bureaus remove the disputed items from my Credit report. I am a victim of identity theft and the items I am disputing do not relate to any transactions that I have made or authorized. Neither did I received any benefits as a result of the theft of my identity. I informed the Credit Bureaus regarding my situation through the letters I have been sending them with complete attachments of my complete personal information and FTC 's ID THEFT REPORT. I have read that the Credit Bureaus are required to remove any accounts and information that the consumer considered asaan item resulting from the identity theft under the Fair Credit Reporting Act section 605b. But despite XXXX constant reminder of the significance of the FCRA to the Credit Bureaus, It is clear that the Credit Bureuas are not willing to coply with the Federal regulation. The Credit Bureaus have been non-cooperative since I started disputing my Credit File. The last letter I sent was in XX/XX/XXXX yet again emphasizing the FCRA section 605b. I ma submitting this complaint to remove the following items from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX WAY XXXX, CA XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I sent payment of {$75.00} before the due date they have not received it. I sent it through Wells Fargo Bill Pay I sent a request they inquire about the payment. XXXX XXXX calls me every other day reguarding payment I informed them that I have asked Wells Fargo to investigate. I have even sent XXXX XXXX the case number. But they keep calling asking the same questions 1 ) my phone number, address, and about payment they keep saying they will make a note but they keep call asking the same questions.

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: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have been trying to do a short sale for months and have not heard from my mortgage company since XXXX. Please help me with resolving this issue as I have a foreclosure sale next month.

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