BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contact XXXX, Equifax, and XXXX about hard inquiries on my report. I got the most push back from XXXX and XXXX but all 3 told me that they do not dispute the hard inquiries since they are factual data. I proceeded to tell them that I am requestion that they look into these hard inquiries or remove them if they will not. they kept telling me that will not, and they do not look into them. I proceeded to ask for a supervisor and got the same thing. I was told that I needed a police report or to file a complaint with you guys if I didn't like this. I then asked for the legal department because they have to legally look into them because I am requesting a dispute and for them to verify the accounts. They told me I am not allowed to speak to them and if I wanted to, I have to send a letter. They never started a dispute or noted that they would be looked into. I know this because I called back a day later to check if they were being disputed and was told they were not and there is no record of the dispute. This was done the week of XXXX. I told them I would be following up with the CFPB and they told me go ahead, they do not have to look into factual data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XX/XX/XXXX I had decided to consolidate my school loans before entering repayment. Multiple Navient employees informed me that consolidating my loans from XXXX ( years XX/XX/XXXX-XX/XX/XXXX ) with my XXXX school loans ( years XX/XX/XXXX-XX/XX/XXXX ) would not impact which income-based repayment plan I qualified for. I expressed my concern that my old loans would disqualify me for some plans, but was reassured that because they were being consolidated, the entire consolidated loan would qualify for all repayment plans. After consolidating and switching lenders ( to XXXX ), I was informed that I could not qualify for the PAYE repayment plan because my XXXX loans were consolidated with my loans. It was very frustrating to be misinformed by several different employees, especially after directly expressing my concerns regarding how my older loans would impact repayment of a consolidated loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contact XXXX, XXXX, and Experian about hard inquiries on my report. I got the most push back from XXXX and Experian but all 3 told me that they do not dispute the hard inquiries since they are factual data. I proceeded to tell them that I am requestion that they look into these hard inquiries or remove them if they will not. they kept telling me that will not, and they do not look into them. I proceeded to ask for a supervisor and got the same thing. I was told that I needed a police report or to file a complaint with you guys if I didn't like this. I then asked for the legal department because they have to legally look into them because I am requesting a dispute and for them to verify the accounts. They told me I am not allowed to speak to them and if I wanted to, I have to send a letter. They never started a dispute or noted that they would be looked into. I know this because I called back a day later to check if they were being disputed and was told they were not and there is no record of the dispute. This was done the week of XXXX. I told them I would be following up with the CFPB and they told me go ahead, they do not have to look into factual data.

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 2021-09-28
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am a XXXX  and attend an out if State university that is 1000 miles away from my home of record. I have 2 issues. In the past, XXXX  has charged me for my statements. I am a XXXX XXXX with not a lot of money. They are preying on XXXX. I stopped by and spoke with the branch and they wouldn't replace the money they stole from my account. 

Issue 2 - my debit card was expiring at month end XX/XX/XXXX. I contacted them several times for a replacement. Last time i called they closed my current card down 2 weeks before it expired. I am without a card and no access to my funds as I am out of state with no close branch. They were supposed to ship another card to my address in college in XXXX  and instead they sent it to my home address in XXXX  ( 1000 Mile 's away ). My father who is on the account and I both called them over the weekend and they assured it was shipped to XXXX  and was supposed to be there on the XXXX and showed up in XXXX  on XX/XX/XXXX. They are a horrible bank that preys on the young. Even though they verified both my and my father 's information, they were not very helpful on the phone and refused to confirm where they shipped it to ( they made us say the address and then said yes that is where it went- it did not ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: Solomon and Solomon, P.C.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was a judgement against me. My wages have been garnished. The debt is now paid plus legal fees have also been paid. My wages are still being garnished -- XXXX full paychecks past what I owe. I called Solomon & Solomon, PC. They said they would stop the garnishment, but they have not. I do not know what course of action to take to make this stop and get my overpayment back. I have called the sheriff, they said they can not help. I called the court clerk, they told me they can not give legal advice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law, ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}

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 2020-01-20
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted the company regarding numerous debts that I did owe. I was told by XXXX that I could pay {$35.00} a month and as each of them were paid they would remove them from my credit report. I have paid almost all except one and none have been removed from my credit report. XXXX is no longer employed there and they are not honoring the agreement. I contacted XXXX who said she believes me but has to speak to supervisor. I have not heard back. XXXX has also increased my payment amount and changed my due date without my permission. She contacts me saying I am late on my payment and I tell her each time I did not agree to pay on this date or this amount and she says oh yes I remember but does nothing to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Ditech Financial LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/16 I sent Ditech a payment in the amount of {$20000.00}. This payment was for my XXXX XXXX 2016 payment of {$630.00} and the rest was to go towards the principal {$19000.00}. Ditech applied the entire amount towards the principal. 
I contacted Ditech on XXXX/XXXX/16 to resolve this issue. It was not resolved because of an internal problem at Ditech. 
I again contacted them the 1st week of XXXX because the issue was not resolved. Again, I was told they are experiencing a delay because of an internal issue. 
I again contacted Ditech on XXXX the XXXX as the issue was still not resolved. 
Ditech then sent me a statement on XXXX the XXXX stating that my mortgage was overdue and I was being charged a late fee of {$26.00}. 
I contacted Ditech on XXXX XXXX as this issue was still not resolved. 
On XXXX/XXXX/16 I sent a payment of {$2000.00}. The payment was for the XXXX XXXX 2016 payment of {$630.00} and the remainder was to be applied towards the principal {$1300.00}. 
I received a statement from Ditech on XXXX/XXXX/16 that the payment I sent had been applied towards XXXX and XXXX payments and towards a late fee of {$26.00}. 
I contacted Ditech on XXXX/XXXX/16 to speak with a supervisor. Again, I was informed by Ditech that this issue is in process of being resolved. 
I have called Ditech 5 times to resolve this. Each time I have called, I 'm told that they are in the process of correcting this but they are having internal problems that have caused a delay in service. 
This has gone on for a over month now without resolution! 
In the history of this mortgage, I have never paid late!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
DITECH mortgage is a scam and ruining people 's lives and credit and they do n't have a care in the world. They process your mortgage payments at least 3 weeks or more after you have sent in a payment which the next payments has late fees because they took forever to process the payment. Asked for a loan modification due to my spouse 's XXXX and now I am in the foreclosure process. Things just dont add up, it takes eternity to speak to a rep and when you do they are rude and will transfer you around various times. They never receive any of your paperwork on time by fax or email. This company is a SCAM, RIP OFF how are they allowed to operate like this. Looking for help and a way out from DITECH.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2015-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Yesterday I was trying to get my credit reports using www.annualcreditreport.com. I was successful getting my reports from XXXX and XXXX and was able to view those reports multiple times on their websites however, while getting my report from TransUnion online I had forgotten to save it before moving on to get my report from XXXX. I had contacted by telephone the customer service line of TransUnion and was rudely told I could not view my report anymore times for free. He told me that I must pay to see it again now or wait another year to see it It is important that I 'm able to view all XXXX of my reports due to me needing to submit documents to my attorneys for an upcoming bankruptcy filing. Is there anyway that I can retrieve it now like I can from XXXX or XXXX?.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-12
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX, PLAINTIFF GREENTREE LLC, their attorneys XXXX XXXX AND XXXX XXXX, XXXX XXXX and the XXXX XXXX XXXX XXXX COURT REPEATEDLY REFUSED TO PROVIDE ME my Qualified Written Request under the Real Estate Settlement Procedures Act ( QWR RESPA ). I sent several QWR RESPA To PLAINTIFF GREENTREE and to their attorneys XXXX XXXX AND XXXX when I learned that a Foreclosure COMPLAINT was filed on my property. PLAINTIFF GREENTREE and their attorneys XXXX XXXX AND XXXX received my RESPA QWR certified priority overnight on XX/XX/XXXX. The letter was not acknowledged. The second request was certified in my Contesting Answer, and Counter Claim for Wrongful Foreclosure on XX/XX/XXXX. In my certification to the Court, I asked the Presiding Judge to Compel RESPA and Award statutory fines. On XX/XX/XXXX, at a Case Management Hearing XXXX XXXX XXXX XXXX, in XXXX, XXXX I asked the presiding Judge XXXX to compel RESPA, and for statutory fines, and she stated that my request would have to wait for trial. On XX/XX/XXXX, I filed another motion to Compel, and explained in great detail why I was requesting RESPA, and other Discovery so that I can properly defend my position before for trial. I was later DENIED by the COURT on XX/XX/XXXX. On XX/XX/XXXX I sent another certified letter to PLAINTIFF GREENTREE and to their attorneys XXXX XXXX AND XXXX, and received a response in a letter dated XX/XX/XXXX from XXXX XXXX AND XXXX XXXX XXXX. The letter states, " Please be advised that this office is in receipt of your correspondence to us dated XX/XX/XXXX and received in this office on XXXX XXXX, which purports to be a Qualified Written Request under the Real Estate Settlement Procedures Act ( RESPA ), with respect to the above referenced loan. Pursuant to RESPA, please be advised that XXXX, XXXX will provide a response ( to the extent appropriate ) by XX/XX/XXXX. To date I have not recieved my RESPA, and these dilatory actions have adversely affected me since I have not been able to complete Discovery, and a pending motion for summary judgement will be heard today. In addition to the lack of compliance by GREENTREE LLC and Attorneys XXXX XXXX and XXXX, XXXX XXXX is lending institution that is not affiliated or assigned to my Mortgage, and do how is XXXX managing my loan? Previously, I did send RESPA QWR to the XXXX XXXX XXXX, but XXXX refused to provide to me a physical address, and my letters to a XXXX XXXX XXXX unanswered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-09
Company: FirstPoint Collection Resources
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I thought my insurance toook care of the bill, everything was covered.I never recived a bill from this company. Then all of a sudden, I recieved a letter from a collection agency! I am still not responsable for the amount they are asking me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 
2. Although I had no knowledge of this account, since it was on my credit profile, the debt was discharged in bankruptcy. 
3. This information was also shared illegally ( third party ) without my informed consent.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Ditech Financial LLC
State: ID
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been making my mortgage payments early. I sent a message to my mortgage company on XX/XX/2016 " RE : Early Payment applied to interest When a payment is made on the XXXX of the month for a payment due date on the first is extra dollars applied to interest? " I intended to say applied to principal. I received a letter from my mortgage company several months later stating they were researching my question. and have not heard back on my question. Before the servicing of my loan was transferred to Ditech, my former mortgage company adjusted the interest and principal amount to reflect the payment date. Since Ditech is working with the same loan documents, I am concerned there are no adjustments made when they receive the payment before the first of the month and if this is the normal practice for all customers.. In this case it appears there would be no advantage to making bi-monthly payments as suggested by numerous financial advisors. I am attaching several mortgage statements that indicate when the payment was received and how if was applied. Again my main concern is I have not received an answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I was on the Income-based repayment plan before I started XXXX school. When I started XXXX school, my loans went into in-school status. At the same time, it was time for me to reapply for the payment plan I was on. I 'm a XXXX employee XXXX, and I was also trying to work on the XXXX Forgiveness program. Fedloan told me that in order for my payments to count, my loans would have to be taken off deferment. My loan status of in-school also denied me from getting reapproved to have the payment I was on. They told me I had to wait for a form to come in the mail when in fact it could have been sent electronically. I filled out the form after waiting for two months. Come XXXX 2015 after my loan status was fixed, I reapplied for a reduced payment plan. That took 3 months to get resolved after talking with several general customer service reps and XXXX supervisors. Because I was waiting for them to change my payment plan, my loan payments returned to the normal rate of XXXX dollars per month. I ca n't afford that. After some time, my loans went into delinquency because I was waiting on Fedloan to change my payment plan. It was only two days after my due date that I called and got my account put a forbearance put on it. After speaking with a specialist, I finally managed to get on the payment plan I wanted. However, because of my loans going into delinquency, I owed XXXX dollars. I am currently working with the specialist I have been in contact with to get this resolved. 

In short, the problems I have with Fedloan deal not only with customer service issues, but with inefficient business practices. They are incompetent and almost not worth dealing with, even though I want to participate in the XXXX XXXX Forgiveness program.

Company response to consumer: Closed with non-monetary relief