BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-20
Company: Debt Recovery Solutions, LLC
State: RI
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:
XXXX cable/phone/internet had a billing error for XXXX form XX/XX/2013. When I pulled credit report I noticed contacted XXXX and they removed from all Credit Reporting agencies and stated billing error on their side. I checked the reports and all entries were removed. Several months later I received a letter from Collection : Debt Recovery Solutions for the same amount. I explained the background and faxed them the receipt of the return equipment to XXXX. The rep advised ( XXXX ) they would remove the account from their files. This week notices the Collections has been placed on my Credit report. I called XXXX and they could find NO records of any Past due, Collections under my name or any address. How can Debt Recovery Solutions report a debt that XXXX states I have none and I sent them proof of 2013 return of equipment

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 2015-04-09
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I filed a Chapter XXXX Bankruptcy on XXXX XXXX, 2005, in XXXX Tennessee, XXXX XXXX, case no. XXXX. At the time, XXXX XXXX XXXX was the mortgage company for my house, and this loan was sold to XXXX XXXX XXXX. I have paid the note in a timely manner since the filing of the bankruptcy over ten years ago. The current mortgage company, Green Tree Servicing , LLC, as servicer for XXXX, will not report my timely payments to the credit bureaus, which is prohibiting me from being able to get credit for my faithful payment of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Certegy Check Services wo n't approve or accept any of personal checks for payment of services or products due to my personal information being used fraudulently. I have sent numerous letters and police reports to Certegy Check Services informing them someone used my personal information and stole my identity to write checks in my name. I am a victim of identity theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Northland Group Inc
State: AK
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have called a few weeks ago about a phone call I received from a collection agency that was claiming I owed money. However, I did not recognize the debt mentioned, neither they have all my personal information. Now, I received a letter from Northland Group Inc, claiming XXXX from XXXX account. Reference # XXXX. They included a claim of XXXX XXXX, XXXX account, which I do not recognize either. I am not sure what this letter is about, but I do not ( and have not ) hold an account with this XXXX group ever before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-23
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX : Requesting an accurate Payoff amount for XXXX XXXX CA XXXX from Ditech Financial. 
Ditech Account # XXXX XXXX. The loan was sold to Ditech Financial by XXXX and title transferred on XX/XX/2016 DItech is claiming I did not make payments after XX/XX/2016, and I did make all payments until XX/XX/2016. I proved this to them by providing bank statements showing an automatic withdrawal or a debit card transaction that took place each month. Because of this, they will not accept my mortgage payments since XX/XX/2016 and have sent several letters stating I am in default and am pending foreclosure. I can not get acknowledgement from the supervisor I spoke to that they received the bank statements that prooved the payments were made and that the matter is cleared up. The only info I have on him is this : XXXX the number is : XXXX ( this goes to an operator, not directly to XXXX ) The account number is : XXXX Ditech Financial LLC XXXX. XXXX, SD XXXX. I have an accepted offer for the sale of my home. I am trying to get the payoff amount from Ditech. Every page of the Ditech website has a different amount, as well as every document they send me via mail. ( See attached files. ) 3. Once a payoff is provided by Ditech, I need reassurance that the loan will be cleared, and that this would not effect either the buyer or myself in the future. 
Please see attached files. 
1. payoff quote from Ditech XXXX 2. XX/XX/2016 mortgage statement from DItech ( the most recent I can get off the website ) 3. Recent letter received from Ditech regarding mortgage status. 
4. XXXX Account status as of XX/XX/2016 5. Loan History from XXXX 's website XX/XX/2016 Additional information : you may refer to the previous case I had opened with XXXX, for XXXX years I worked with them over a clerical error they made where they withdrew funds from my account and considered me in default because of their error. This was finally resolved as of XX/XX/2016 and payments were made according to the resolution agreement, yet when the loan was sold to Ditech, Ditech did not get all the information. This has been over 3 years of incredible time consuming work that was forced upon me and I decided to sell the home so I could be done with all this situation, however, how I need a payoff and am getting different amounts from each source at Ditech. I would like them to honor the payoff amount on their website, however, I do not want them to come back later stating it was not paid. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Credit Report from Quicken Loans. I have XXXX complaints on these negative items on my credit reports, and now they show up again and again. After I have been told they are removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 tried to dispute several accounts on my file 2 months ago and I did not get proper information and explanation back from the credit bureau. I have wrong previous addresses, several accounts that are not supposed to be late on or charged off and in collections. I am also requesting to Validate several accounts listed in the very detailed letter of explanation enclosed. So please see letter and don't ask for more information as this request is very detailed and complete. You-Transunion are not compliant because of the lack of detailed response my previous dispute asked for and should now delete all information I am dsiputing because of your failure to be compliant and follow the law.I will pursue litigation if you fail to delete this information outlined in the letter enclosed.

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 2015-08-19
Company: BB&T CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had a check deposited into my account in the amount of {$800.00} on XXXX/XXXX/15. On XXXX/XXXX/15 the check was delayed depositing and then they said it had been returned. I have proof that the check written has already cleared the other individuals account. I was also charged an overdraft fee of {$36.00} and returned item fees of {$180.00} all on XXXX/XXXX/15, which is a day after the check was deposited into my account. I contacted BB & T and they said they had only the information that the check was either returned for a various amounts of reasons. I then again explained everything and asked to speak to someone else. This is when the representative told me I would receive a call back in 24-48 hours. I am extremely unhappy and beyond frustrated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-08
Company: E. A. Uffman & Associates, Inc
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
repeatally attacking my credit account with same ole account that should be close.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXXXXXX XXXX  ACCT # : XXXX, XXXX XXXX XXXX XXXX ACCT # : XXXX, XXXX XXXX XXXX XXXX  ACCT # : XXXX, XXXX XXXX XXXX  XXXX ACCT # : XXXX, has violated my consumer rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-08-29
Company: EQUIFAX, INC.
State: AR
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:
Ive sent two letters prior to ALL 3 credit bureaus in regards to fraudulent accounts on my credit that I've been working to get removed and have yet to get any result sufficient for this situation. 

I would like for the reporting agencies to please investigate and remove also Update my credit report. 

The issue is that fraud should not be allowed but even more once the fraud is noticed and I've requested that these matters be investigated the bureaus are not taking the diligent approach as they did when they reported and allowed the fraud to be there. 

these are the current reporting accounts that are fraudulent and I would like removed : XXXX XX/XX/XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX ACCOUNT # XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXXXXXX XXXX XXXXXXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Convergent Resources, Inc.
State: MN
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 had an account with XXXX and did a Change of Financial Responsibility and the company is attempting to collect a debt. 
They have sent me to a 3rd party debt collector after receipt of my request for verification and validation. 
A debt is a financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
NAVIENT. 
Originally qualified for Spousal Consolidation. Program eliminated in 2006. Can not qualify for PSLF, because this can not be rolled into a direct loan. Would have debt forgiven ( XXXX left of XXXX ) if I could qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: NJ
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:
On or about XX/XX/XXXX, my Experian.com account was " hacked '' by an unknown party. The hacker changed the login and all personal information on the Experian website making it impossible for me to access. On or about XX/XX/XXXX, the " hacker '' uploaded by credit report to themselves. On or about XX/XX/XXXX and XX/XX/XXXX, the " hacker '' applied for credit cards ; unauthorized inquiries were made with Experian and XXXX. With knowledge of my credit report and which credit cards that I had, the " hackers '' have spent the last two weeks calling my credit card companies, and in some cases, getting new credit cards sent to them at unknown and unauthorized addresses. In one case, the " hackers '' successfully used one of the cards at XXXX XXXX in XXXX XXXX New Jersey to purchase {$19000.00} of jewelry with the unauthorized cards. Upon learning of the " hack '' of Experian, i was able to get in contact with Experian, have them delete all the false information on my Experian account and re-establish internet access with Experian so that I could monitor what was going on with my credit. Yesterday, I attempted to gain online access to my Experian account. The password had been changed once again by the " hacker '' and I then clicked on the " forgot password. '' After entering personal social security number on the Experian site to get access, Experian advised that they sent a link to set up a new password to an unknown XXXX site that does not belong to me. Obviously, once again, the " hacker '' has illegally gained access to my account and changed the personal information. I have repeatedly called Experian and get a voicemail that does not allow me to speak to a person. There is no way to get in touch with Experian. How is a private company allowed to keep very vital personal information that can be used in very detrimental ways, and have such poor control over security that they repeatedly allow an unauthorized " hacker '' to gain access to my sensitive information that is used to my detriment. I asked them at the time of the first hack to safeguard my access carefully. Obviously, they did not. You should possibly investigate whether they should be allowed to keep such information without proper safeguards. Please contact them or advise me how I can call them and speak to a person who can help me. TIME IS OF THE ESSENCE, as the hackers are doing a great deal of damage to me, my family and my dental practice. Thank you.

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 2015-06-22
Company: BB&T CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was given instructed by my nephew to deposit his check into my account to pay his rent. I deposited the check into my account. The bank did not credit my account. Instead they put a hold on the check. I called to ask why and was never given an answer or notified by mail as to what the problem was. I contacted my nephew as to the problem, but he XXXX unable to get any paperwork done on the matter. Since he is in XXXX, I cant help at this point. The problem now is that the bank is taking my money to cover a check that is still on hold. Right now they have taken XXXX dollars of my money and my account is XXXX overdraw for the balance of the check amount. I cant use my ATM, or debit card to pay any bills, I am literally without any banking. I do not know why they are taking money from my account, when the check I deposited is still on hold. They never put that money into my account They are literally stealing my money to cover a check that they never cashed for me. I spoke to someone in the corporate office in XXXX and they do n't know why the branch manager is holding the check. This is unusual because a week or so before I deposited a check from the gentleman the rents a room in my home. It was his S.S. check. He signed it and I put it in my account. There was no problem with that check. I need for this matter to be looked into because my XXXX check is direct deposit. How is it that they can go into my account an manipulate it the way they want. What does my money have to do with a check on hold in the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been attempting to fix errors on my credit report since XXXX of 2020. Since XXXX I have sent several letters to the 3 major credit bureaus asking for validation of several accounts. Since starting this journey I have not received ANY letters from the credit bureaus. When looking up the response times it states that the bureaus have 30 days to respond it has been over 75 days and I have yet to receive any notifications. I sent two letters asking for validation of the following accounts on my credit report ( XXXX, XXXX, XXXX, & XXXX  ). to this date I have not received a response from Transunion, XXXX  or 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 2017-08-22
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a vehicle financed through XXXX in XX/XX/XXXX. XXXX charged the vehicle off as bad debt in XX/XX/XXXX and wrote it off in taxes as bad debt. Therefore, they received a XXXX as income. They are still reporting a balance and trying to collect for it after writing it off. The vehicle was totaled and XXXX XXXX paid XXXX {$5200.00} in the total loss settlement and XXXX released the lien and turned it over to XXXX XXXX. XXXX XXXX now owns the title and the vehicle. Yet XXXX is still reporting an owed balance on my credit report and will not remove it and told me I would still have to pay {$9000.00} in balance for something they wrote off on taxes and collected from the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
-citibank offered {$1500.00} if I deposit {$200000.00} for 60 days -on day 63, I contacted them -they said, they need 90 days to provide the award I am sorry, but I am not supposed to wait 90 days to get a promotional offer for which the trigger was 60 days. On day 61, the funds should appear, full stop. anything short of that is an active effort to not provide the promotional offer to someone who has qualified also, expecting a consumer to do further work to obtain the promotional offer is unfair and deceptive, and takes valuable time away from me chasing down the promotion I should've been provided in a fully automated fashion

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 2017-03-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Chexsystems is wrong! 
The FCRA section 605B, says all i have to provide is a copy of " an identity theft report '' Nothing at all about dates or time frames of when the fraud occurred. Chexsystems is trying to interpret and rewrite the law, which is illegal. They have 4 business days to block the fraud, and they never do. 
I got the XXXX accounts removed from my record, Chexsystems had to block it only. I gave them the information two years ago, they broke the law for two years, and lie about it like in this reply. 
Look at their policies and see this blatant disregard for the law. Chexsystems refuses to deal with the facts and hides behind XXXX. 
I am appalled by this behavior and asked them to provide me their policies in how they treat my account, they lie to your entity, imagine how they abuse other customers. 
Sad, and illegal is how Chexsystems breaking of tbe law is classified. 
Stop them from breaking the law, have their policies follow the law. There is fraud all over my account. 
They refuse to obey the law and harm instead. 
Fraud ten years ago, that is still being committed today, only takes ONE police report, unless it was now comitted by myself. The banks never charged me, because it is NOT me. 
Chexsystems can not ASSUME that, and not obey the law. 
I will attach the law, so they see there are no provisions in this law, for how they break the law.

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