BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-20
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 status incorrect

Complaint:
On  XXXX   XXXX ,  XXXX  I entered into a  XXXX  month lease for a new  XXXX   XXXX   XXXX  with creditor  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . Note, that the contract did not assess a Disposition Fee upon return of the vehicle ( see attached contract ). The first lease payment of {$100.00} was due upon signing the lease ( see attached contract ). The subsequent  XXXX  lease payments were paid in one lump sum, totaling {$2400.00}, and was received by  XXXX  on  XXXX / XXXX / XXXX  ( see attached  XXXX  statement ). At the end of the lease the vehicle underwent a Lease Termination Inspection and there were no charges  assessed for ei ther Normal Wear & Use or Excess Wear & Use ( see attached inspection report ). The vehicle was returned to the dealership where it was purchased in  XXXX  of  XXXX . There was not a problem with this account until  XXXX   XXXX .  XXXX  fraudulently reported to the  XXXX  major crredit bureaus that I still owed a lease payment of {$100.00} in addition to a {$5.00} late charge thus totaling {$110.00}. I 've disputed this with the credit bureaus supplying them with the proof attached hereto but they have not removed this fraudulent charge because  XXXX  's electronic response to the credit bureaus is " this account is being reported correctly. '' On a recorded line with  XXXX  on  XXXX / XXXX / XXXX  a  XXXX  representative stated that the {$110.00} charge is NOT owed but still on my account because they have not yet received a " signed odometer statement from the dealership. '' Whether or not  XXXX  ever receives a signed odometer statement from the dealership, that has since changed ownership, does not give this creditor the authority to commit fraud against my credit history causing an unjust, significant decrease in my  credit score  due to thier fraudulence.

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 2016-02-22
Company: I.C. System, Inc.
State: FL
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:
I switched from XXXX with XXXX XXXX XXXX to XXXX with XXXX XXXX XXXX. XXXX billed me twice during my first month with XXXX with the same dates of service for XXXX, though I no longer had XXXX. When I changed services to XXXX, I had just paid my bill and had a {$0.00} balance. I have tried to resolve this with XXXX XXXX XXXX, but they are unable to show me proof that I still had XXXX and they were rude to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
It's been two consecutive months of disputing these unauthorized accounts and requesting the Method Of Verification used in the process of your investigation. If this problem continues imma have to file suit with the 2 of the 3 major credit agencies. The FCRA is enforced by FTC inwhich grant certain rights to protect consumers against the credit agencies distributing false or harmful credit information about individuals. I'm requesting your Method used in this investigation and if this request is breached then the reporting agencies should be held accountable. I'm requesting that XXXX and Transunion credit reporting agencies provide me with physical documentation of investigating these accounts. ( 1 ) XXXX XXXX XXXX {$1.00}, ( 2 ) XXXX XXXX XXXX {$920.00} ( 3 ) XXXX XXXX {$0.00}, ( 4 ) XXXX XXXX. My request is for the names and method of communication inwhich was held in this investigation. Inwhom did your representative speak with, how, by phone, email, fax, etc. What specific date, day, and time. And if this is not met in a just and prompt manner then these accounts shall be blocked immediately in accordance with the FCRA.

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 2019-02-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have called XXXX many times after XXXX discharged this issue on the complaint XXXX. Last contact date to XXXX was XX/XX/XXXX. They refuse to remove the late payments and XXXX stated I would have to call the credit bureaus to have it removed. XXXX discharged the fraudulent account on XXXX and then sold the accounts to XXXX in which I had to have this issue discharged with XXXX.XXXX resold it back to XXXX. This issue is bouncing around after I notify them of fraud. Lastly, XXXX new of this matter and they still have the discharge information from when I notified them and left the account on my profile. This matter shows currently open on my Equifax report as well as 120-180 late payments. XXXX has not furnished me a promissory note to show proof of the said debt. I want the late payments removed and the accounts of debt.There are a total of 6 accounts : STUDENT LOANS DEPT OF ED/XXXXNeeds   Attention Last reported : XX/XX/XXXX {$7800.00} 120+ Days Late DEPT OF ED/XXXXNeeds Attention Last reported : XX/XX/XXXX {$5800.00} 120+ Days Late DEPT OF ED/XXXXNeeds Attention Last reported : XX/XX/XXXX {$5100.00} 120+ Days Late DEPT OF ED/XXXXNeeds Attention Last reported : XX/XX/XXXX {$4500.00} 120+ Days Late DEPT OF ED/XXXXNeeds Attention Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late DEPT OF ED/XXXXNeeds Attention Last reported : XX/XX/XXXX {$2100.00} 120+ Days  Late The account was closed but still, show late payments from my complaint : XXXX. I wish to have it removed along with late payments. 
XXXX {$13000.00} Closed Overview You've paid off -34 % of your student loan amount. 
Balance {$13000.00} Highest Balance {$10000.00} Monthly payment {$0.00} Opened Unknown Term months Payment History Youve made 86 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment -- Current Payment Status In Collections/Charge-off Worst Payment Status No Info Account Details Account status Closed Type Education Loan Responsibility Individual Remarks Consumer disputes this account information Collection account Fixed rate Times 30/60/90 days late I mailed the Affidavit of truth and fact notarized on XX/XX/XXXX, copy of drivers license and social security card, the official police report # XXXX , and federal trade commission identity theft report # XXXX. After they deleted it, it appears that they sold the debt to XXXX ( XXXX XXXX XXXX XXXX ) Account # : XXXX. I faxed the information to that company on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX # XXXX # XXXX # XXXX XXXX XXXX XXXX # XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-06-13
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts nor did I authorize these companies from pulling my credit. Please remove them.

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 2016-08-10
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
DITECH is keeping me from paying down my mortgage. I send extra money to my mortgage processor Ditech. It was XXXX. I 'm trying to pay off early. I 've been doing this for years without issue. My payment is {$540.00}. {$210.00} principle, {$220.00} interest, {$100.00} escrow. I sent {$3000.00} on XXXX/XXXX/16. They did not apply the extra to principle but charged {$670.00} interest, {$320.00} escrow. I called to have this corrected. Then on XXXX/XXXX/16 they backed out {$1500.00} including {$830.00} principle. Basically increasing my mortgage instead of reducing it. I called again on XXXX/XXXX/16 and they told me they put some funds from my last payment into an un-allocated account without telling me. My check specifically state to apply overpayments to principle. Do n't they have to apply it and not sit on my payments for 40 days now. This ca n't be legal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2015-09-28
Company: Ditech Financial LLC
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ditech ( formerly Greentree Servicing ) has repeatedly called my place of employment, harrassed secretaries, and requested to speak to my boss. Moreover, callers have called siblings, cousins, and even elderly grandparents to ask for contact information ( which they currently have ). In each instance, the caller from Greentree and/or Ditech have stated that they are representing my Mortgage company. Additionally, each time that I have spoken to the caller, she is rude and occasionally curses. I have often requested to speak to a supervisor ; however, the caller has refused and at times has hung up on me. These calls typically start if I am more than five days late for a monthly payment. 

Ditech ( formerly Greentree ) uses unprofessional tactics, and I feel that the individuals who work for this company have been harassing not only me but also my family and my co-workers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: PNC Bank N.A.
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
The CARES Act allows borrowers with government backed mortgages ( e.g. XXXX XXXX and XXXX XXXX ) to defer payments up to 6 months, with a simple claim they have encountered financial hardship because of Covid 19 pandemic. The mortgage holder / loan servicer is to defer payments for up to six months without documentation of hardship. At the end of the six months, the borrower can choose to take an additional 6 months deferrement, pay the amount deferred, modify the monthly payment amount, or extend the maturity date for the months of deferrment. It is understood that the normal interest accrual will continue during the deferrment period. 

Numerous source documents, including the CFPB website, reflects this information. 

PNC Mortgage requires an application, proof of hardship, and allows only 3 months forebearance, after which the loan must be brought current with a lump sum payment ( 4 months payments ). PNC Mortgage reserves the right to offer loan modification ( e.g., increased monthly payments ) as an alternative to the lump sum payment. However, going into the 3 month forebearance period, the borrower has no certainty of what PNC Mortgage will require. 

I spoke with, and emailed with, XXXX XXXX, XXXX. She claimed that PNC Bank was awaiting clarification from the federal government about the policies, and claimed that the CARES Act was not clear. 

After I emailed her that I intended to take the option of deferring payments for 6 months on my government backed loans ( one XXXX XXXX, one XXXX XXXX ), and having the maturity date extended by 6 months, I received documents informing me of a 3 month forebearance, after which I must make a 4 month lump sum payment to bring the loans current. This contradicts the CARES Act, and the CFPB guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: CITIBANK, N.A.
State: PR
Product: Credit card
Issue: Payoff process

Complaint:
On XXXX/XXXX/2015 I had sent a payment by the approximate amount the account balance for {$780.00} with check number XXXX for Citi to be credited to the card ending in XXXX. Still today the date of payment it has not been proven despite efforts multiples me customer service and its research department of payments. I sent the evidence of the canceled by fax and mail check. They tell me that they are still investigating. They still me charged interest and minimum payments

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-30
Company: PHH Mortgage Services Corporation
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I applied for a loan modification through PHH mortgage after missing payments, which we had been instructed to do by the mortgage company in order to get a modification started. We had not missed a payment in over 7 years at that point. Once we received the modification and agreed to it, we made 3 good faith payments on time. They sent us the final documents and my information was incorrect. We sent copies of my license and SS card as instructed and then never heard anything back. We called and left messages several times a week for months until we were finally notified via mail that a foreclosure was imminent because we had " declined '' their offer, when in reality we just wanted to make sure the papers were correct. Now we are being told we can agree again but owe the months leading up to this when they failed to do their job in a lump sum.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
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:
I gave 30 day notice to move out of an apartment in XXXX XXXX. The month to month rate was {$740.00} for the month of XXXX I gave them the difference of my rent minus security deposit of {$390.00}. On or around XXXX XXXX received letter that partial payments were not accepted and the security deposit could not be used toward last month 's rent. On or around XXXX XXXX received a letter stating that I needed to pay my rent including late fees and attorney fees in 7 days or vacant the property. I moved out on the XXXX day and stop payment on the check for the partial payment. My security deposit covered the rent for the 15 days I was there. Months later in XXXX I received a debt collection for the amount of the partial payment, stop payment fee, and late fee and attorney fee totaling {$570.00}. I told the debt collector that I would pay the {$340.00} that would cover the full months ' rent ; however that offer was declined.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26
Company: ORG GC GP Buyer, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 've received a letter from this company, claiming I have an account with them or I them you something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with them. Also, because they are a 3rd party collector, they have no permission to furnish any information on my credit report. 

Furthermore, the debt that they are trying to collect has been a result of identity theft. 

I do not owe this company anything and I want them to close my 'account ' with them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

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 to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
Capital One Bank USA N has an account being posted on all 3 of my bureaus with the account # XXXX, reporting multiple late payments on my credit report that is severely hurting my credit score against all 3 bureaus where I am unable to qualify or get a mortgage loan. I never received notice of bill or notice. The accounts are paid off and were always in good standing to my best knowledge however it's an account that has 2 late payments. Now according to 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. ( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX, XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX, XXXX, 123 Stat. 2998. )

Company response to consumer: Closed with explanation