BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-03
Company: Ditech Financial LLC
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have XXXX complaints regarding, 1. Mismanagement of my payments, and 2. the refusal of DiTech to send me mortgage statements and full disclosure of my account, prior to, during and after my bankruptcy and 3. the rude, disrespectful, callous disregard of my requests to resolve the aforementioned matters. 
Customer Service : DiTech Financial LLC, XXXX. XXXX XXXX, XXXX XXXX, S.D. XXXX Bankruptcy Correspondence Address : DiTech Bankruptcy Department, XXXX. XXXX XXXX, XXXX, South Dakota, XXXX When DiTech Financial took over payment management from Green Tree, I was and have always paid my mortgage 2 months in advance. Therefore if my billing stmt was XXXX/XXXX/XXXX, my due date was XXXX/XXXX/XXXX. From XXXX/XXXX/XXXX to XXXX/XXXX/XXXX DiTech took one whole principle and interest payment and mis-applied it without my consent. Therefore I am only 1 month in advance. Since bringing this to DiTech 's attention via phone calls ~ they have ceased sending me mortgage statements. I have not received any mortgage statements for XXXX/XXXX/XXXX to present XXXX XXXX. 
2. My bankruptcy was discharged on XXXX/XXXX/XXXX. I have been paying my mortgage without billing statements faithfully every month, throughout the bankruptcy. To date Di Tech refuses to respond to resolving the mismanagement of my payments, and to provide me with billing statements, and full disclosure of all my mortgage records from XX/XX/XXXX through present.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt is a result of an injury at work. Workers comp did not receive a bill. Claim number XXXX. Workers comp and or insurance is responsible not me. Negative reports hurting my credit. Trying to get a resolution since 2010.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Commonwealth Financial Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX contacted my wife for an alledged medical bill. The person that called her name is XXXX, the numbers have I have for them are XXXX, XXXX and XXXX ext XXXX and said we could request to speak with the attorney whose name is XXXX. The company did not identify any location, but threatened legal action that they would collect my wife 's XXXX and collect any taxes that she may be receiving during tax time. The debt they are trying to collect is from 2009. They said that they have already forwarded it and that she will be served papers. Should n't she already have papers?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: Ability Recovery Services, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
- In XXXX, XXXX I noticed a collection on my credit file I did not recognize from Ability Recovery Services , LLC. 
- On XXXX XXXX, XXXX I requested the collection agency validate that debt or remove from my credit file if they could not validate. I also disputed the debt with the credit bureaus. It was removed from XXXX, but not XXXX. I an not sure of the status on XXXX currently. 
- On XXXX XXXX, XXXX, Ability Recovery Services sent me a settlement offer with no validation or explanation of the debt. 
- On XXXX XXXX, XXXX I again requested validation of the debt or that it be removed from my credit file. 
- On XXXX XXXX, XXXX Ability Recovery Services again sent me a settlement offer with no validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Commonwealth Financial Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
THIS WAS DISCHARGED IN BK IN 2012 AND THEY KEEP REPORTING IT TO MY CREDIT AS RECENTLY AS LAST WEEK.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: AMERICAN HONDA FINANCE CORP
State: AP
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
My 2015 XXXX was paid off and sold on XXXX XXXX. On XXXX XXXX Honda Financial Services ( HFS ) sent a letter saying {$320.00} is still owed though no explanation was given for the payment shortage. Since then it has been impossible to get Honda to furnish me info in any way. Copies of my XXXX communications and the letter w/attachments I sent on XXXX XXXX are attached. To this date, XXXX XXXX, HFS has not contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Account listed XXXX under XXXX different account numbers. Mortgage servicing transferred between XXXX companies but only XXXX loan. Experian refused to correct and when I tried to upload documentation (included here) Experian placed a block on me so I could not. The XXXX date of delinquency was XX/XX/XXXX and the account fell off all XXXX reporting agencies by XX/XX/XXXX. Unfortunately the duplicate account is still present on the Experian report. By phone on XX/XX/2015 I spoked with (XXXXTeam Specialist) for Experian (would not give me any more identification) informed me that it is my job to verify the data with the creditor and to give Experian the name and number of who I talked to and they would follow up. I informed him that I wanted to know who Experian talked to for validation of my data and XXXX informed me that they did not have that information and was not required to have it. I asked him if the verification was done by automated response and he could not answered. I have enclosed the documents I was unable to upload through Experian below to validate my claim and hopefully get my Experian credit report to show accurate information. I have included a more detailed version of events below. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-11
Company: Commonwealth Financial Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was trying to buy another house, all of a sudden a bill appears from a Common Wealth Financial Systems for {$75.00} in my credit report. I contacted them and they gave me XXXX different stories of where the bill came from. XXXX was from a physicians office and the other story is that I went in to XXXX hospital in XXXX XXXX. I live in XXXX, I have never been to a XXXX hospital or any medical providers there. I called XXXX of these places and neither of them have proof or record of me being there. Common Wealth Financial Systems told me that they bought this bill from XXXX XXXX XXXX, but that they can not give me XXXX information. I have tried looking for XXXX contact information online, but there are many of those companies, I have also read similar stories to mine and they have all been fraud collections from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
My account was recently involved in a breach of Scottrade Bank 's security systems. In total XXXX Million+ customers were effected. 

I have asked Scottrade numerous times to provide explanation on what data was breached, however, Scottrade refuses to respond. 

Personally, I am closing my account with Scottrade and will not trust them with any personal information again. Every time I call, I get a rude customer support agent who sends me in circles going back and forth between departments and promising to follow up at a later point in time but never accomplishing anything.

Company response to consumer: Closed
Consumer complaint received 2015-12-13
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
National Recovery Agency insist that I owe {$5700.00} in charges. I am a victim of Identity Theft. I was recently contacted by the United States XXXX XXXX XXXX XXXX informing me that I was a victim of ID theft. They informed me that my information has been compromised.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I disputed incorrect reporting on my credit report and did not receive a timely response. Please remove incorrect report on my report immediately.

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 2017-02-10
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
After submitting documentation to change from XXXX to REPAYE XXXX to Nelnet, I was entered into a forbearance that I did n't want for XXXX months. I noticed that my application was not being processed ; when I called, I was told that I needed to enter into the forbearance and make a payment of only {$5.00} for that month. Weeks later, I still was n't entered into REPAYE ; when I called again, I was told that I had been entered into the " wrong kind '' of forbearance and needed to wait another month. No payment was charged at all for a third month.So, my overall repayment period has extended 3 months. Because of my payment plan, and the likelihood of claiming XXXX, I will end up making XXXX much larger payments years from now instead of XXXX smaller payments in XX/XX/XXXX-XX/XX/2016. I would much prefer to make retroactive payments and pay my loans off earlier. 

Unrelated to that issue, I submitted documentation of my public service for future PSLF. My Nelnet loans were paid off by XXXX on or about XXXX XX/XX/XXXX. But, Nelnet charged an auto-debit payment on XX/XX/XXXX, and does not appear to have credited my account with that payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
JP Morgan Chase instructed their servicer XXXX to deny the short sale after XXXX verbally informed me that because the offer recieved was so much higher than their BPO, we would not have a problem getting the short sale approved. When we asked XXXX why the short sale was approved, we were told that the reason is because the homeowner had only been 1 month late. This was after we submitted the homeowner 's financial documentation showing that due the the homeowners medical situation ( recovering from XXXX ) he would be unable to make the mortgage payments to the first & second lender on top of a $ XXXX a month HOA payment. When we asked XXXX if things would be different should the homeowner be significantly delinquent, I was told yes. Now, XXXX has once again forced the homeowner to apply for a DIL after we were told he wouldnt qualify. In the meantime, the homeowner has become aware that in the state of California, if he does do a XXXX, he will owe taxes on the deficiency whereas if he does a short sale he will not. In addition, a DIL will show up as a foreclosure on his credit and he could be facing taxation from the IRS and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 filed a dispute with XXXX in XXXX 0f 2017 on accounts that I had no contracts with, The original owners sold the account but I had no contract with the company who put this on my report.I filed with Transunion the same no contracts.The breach with XXXX has not helped with my reports ... when I filed my reports I had a score of XXXX with XXXX working my way up to a over XXXX score and all of a sudden my score has dropped 50 points because XXXX allows these company 's to make a jester to the account? This is totally wrong on both parties

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 2015-05-04
Company: Westlake Services, LLC
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a XX/XX/XXXX Dodge XXXX from XXXX on XXXX/XXXXXXXX, financed through XXXX financial. 
I paid {$1000.00} down payment and purchased a {$1600.00} care care agreement. My XXXX payment was due XXXX/XXXXXX/XX/XXXX. I made my XXXX payment on or about XXXX/XXXXXX/XX/XXXX. 
2 weeks prior I canceled my care care agreement and {$1600.00} was refunded to XXXX financial. My down payment or the refund from the cancelation of the car care agreement was applied to my account. 
The XXXX 2 weeks a representative named XXXX XXXX would call private to my mobile phone but wpuld never state her business and laugh and hang up. I figured out it was my finance company because she finally left a voicemail box and the number was XXXX financial. She uses profane language, tells me to shut up she is speaking, she threatens me, asks me where my car is. She says XXXX never received my car payment but refuses to provide documentation. They have tried to process additional payments out of my banking account without authorization. I have reason to believe the representative XXXX calls from her personal cell phone blocking her number because she calls outside of the company business hours. When she calls I say may I ask who is calling she refuses and immediately starts asking personal information. This same representative calls a family as well late at night harassing him. XXXX makes false statement regards of why I financed my vehicle. She is extremely disrespectful. I asked her to stop calling repetitive in a single day and calls XXXX. She just stsrts yelling and making threats. She said she could put me in jail if I dont tell her where my vehicle is. But refuse to show proof of my account being 48 dsys past due,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Paragon Revenue Group has an account an my cerdit report saying i owe, and its not my debt. Im looking at my credit report and they added another debt to my credit report after all the others were removed.The debt is for {$1300.00} dollars. Mys sons mother is taking my son to the doctors and i no longer work for the company the insurance was originally carrying him on. All his or her debts are coming over to me since i was the account holder

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In XX/XX/2016, I was notified that my rates would be changing as my IDR was expiring in XX/XX/XXXX ( even though I applied/was approved on XX/XX/2016. I figured I would take the time to reapply anyway as to be ahead of the curve and not have to deal with any issues last minute. I received notice from Navient on the XX/XX/2016, via email stating " Your IDR renewal has been approved. '' The email went on to say " We 'll send you notification advising you of your new payment amount after your current plan expires on XX/XX/2016. '' I have yet to receive any sort of email notifying me of such, and upon logging onto their website today for tax purposes have noticed starting next month I have a payment amount of $ XXXX/month which needless to say, I ca n't afford, hence, why I applied for the IDR. As far as I can tell, no actions have been taken on their behalf to uphold my renewal, and I am still in the original IDR that was put into effect on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage with Chase. It is a XXXX MORTGAGE. Chase stated that they were sending me all of my information that I requested from them regarding validation of the amount they are stating that I owe them. What they are claiming I owe is wrong, Chase did not send the validation, they just keep sending the exact same bogged up screen-print that they invented. The information is false. Now I just got a letter from Chase stating that my mortgage was sold to Chase. They are plotting to steal my home. Each time I was promised a modification by Chase They raised the payments instead of lowering them. Now I got a letter in the midst of this process stating that they are filing for foreclosure. Chase has illegally stolen the equity out of my home. I want justice. Chase did not report many of my full payments made to them. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
XXXX credit reporting service reduced my credit score by more than XXXX points in XX/XX/2015, dropping it from the high XXXX to the XXXX. My credit report states that I was XXXX days late paying a student loan from XXXX University from ACS. The monthly payment was XXXX. I used my XXXX autopay feature to debit my account to make the payments. I have done so since XXXX without missing a payment. 

For some unknown reason the payments for XXXX month in XX/XX/2015 months were either not sent or received. The automatic payments resumed again in XXXX without my having done anything to change their settings. I believe there was a either a systemic IT failure in XXXX automatic payment system or a similar failure in ACS 's receipt system. My checking account balance was more than enough to make these payments. 

I was not contacted by XXXX University, XXXX, ACS, or XXXX about the deliquent account and had no reason to believe that this account was behind. Indeed, I have not missed a payment on any credit line in the past XXXX years. These missing payments from ACS are a clear abberation from this trend. 

Moreover, my bank statements for the months in question show clearly that the payments were debited from my account on time and sent to ACS during the months in question. I have attached a screenshot of my credit report as well as bank statements that provide evidence that my account was debited for XXXX each month. 

I can only guess why loss any of the XXXX aforementioned organizations could have reported by account delinquent, but I suspect it was due to a systemic IT failure among XXXX of the involved parties. Neither of the XXXX other major credit reporting agencies noted the account as delinquent. 

The drop in my credit score will significantly reduce my ability to take out a mortgage or loan in the future or rent an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Equifax rescinded on their offer for free credit monitoring based upon their data breach settlement. I recently was made aware of a collection on my credit score and Equifax failed to alert me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
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 do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions and to remove these unknown accounts and inquiries. These accounts are definitely not mine. I kindly ask you to help me because I do not recognize these accounts. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

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 2016-11-16
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have been an identity theft victim since my birth certificate and personal information was stolen in XXXX. I have tried tirelessly to get the information corrected since, most of the credit bureaus have corrected my personal information except Experian. On XXXX XXXX, XXXX ; contacted them to dispute again personal information that is related to my identity theft issues. I continuously disputed addresses and name spellings only to be told that Experian is refusing to dispute or remove the information that is incorrect because it was associated with a reported account that was opened or application that was submitted with incorrect information. Experian has been the most difficult in correcting my personal and credit information and I am contemplating legal action for FCRA violations.

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