BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX XXXX incorrectly reported my car lease/loan account as delinquent. The car was returned on time prior to the lease end date and all payments were made on time. In the time of hardship during covid-19, it brought my credit score down drastically and affected my ability to receive a personal loan because of this issue. The bank admitted it was a mistake but never resolved the issue with credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: GA
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 reviewed my credit report and it showed multiple errors. The errors included incorrect names, addresses, accounts, and inquires that weren't authorized by me. I submitted multiple letters on XX/XX/XXXX, a second letter in XXXX as well as another letter XXXX XXXX, 2022. I haven't received any updates and this is affecting my life majorly due to them constantly reporting incorrect and fraudulent information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2017-02-22
Company: Innovis
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Innovis, XXXX, XXXX, XXXX, and XXXX set-up XXXX as a means of delivering disputes from the credit reporting agencies to the data furnishers. XXXX does not work!!!! I have had XXXX for numerous years, and have NEVER received a notification of a dispute. Furthermore, I can document instances, that a negative credit blemish was deleted without XXXX notification ... a clear violation of the Federal Fair Credit Reporting Act. XXXX is JOKE!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Dynamic Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX Bank purchased my credit card debt from XXXX. 

XXXX told me that a sheriff was going to come to my home and work to arrest me for my debt in 2019. I did not know that they were not allowed to do this so I am reporting it now. 

My debt was settled in 2019 however XXXX sold my debt to Dynamic Recovery Solutions and now Dynamic Recovery Solutions is calling my brother for window processing? 

This open account is also on my XXXX credit report. This account has been closed for 3 years this is affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted Equifax and XXXX  and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX {$2900.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2016-12-20
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have an Escrow overage payment owed to me from my mortgage company, Ditech Financial, who refuses to send me the money because my account with them is past due. The overage comes from their Escrow Cushion. They are telling me that I can not withdraw from my escrow, if my mortgage is past due. An overage is no longer a portion of Escrow, once it 's declared to be, overage. I am asking Mortgage Servicer to simply move my overage funds to the unapplied funds account, that way I can use it to help catch up on my payments owed toward my mortgage. The fact that they wo n't either return my overage money or shift it in a way so that I can use it to pay my overdue balance down, seems like a way for them to keep my money and push my home into foreclosure status. Please help. I just want my money allocated towards the mortgage payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Ditech Financial LLC
State: WV
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ditech mortgage, how many complaints is it going to take to have cfpb do something about this company? 
This company holds a note on a property next door, abandoned, health and safety issue, drug den. I cant get insurance on my home due to this property, owners are gone for the last XXXX yrs. no payments were made for XXXX yrs. no forclosure. I offered to buy it to tear down, asked them to fix it or tear it down. called several times. told them I was recording the call they hung up immediately. { thought it was funny they always say we are recording this call for quality } lmaof. I feel companies like this should be held accountable for their and wonder what cfpb can do about these complaints. with the number of complaints, I would think something has been or is in the process of being done. 
Yes I am getting legal rep. at this point. I am also logging complaints with every agency and my local and state representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted XXXX  and Transunion and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2016-12-08
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Ref : Refinance Loan on XXXX XXXX, 2015 : This is an Formal QWR PMI bait & switch Complaint against " Ditech '' Ditech Financial LLC, XXXX # XXXX, A- Incomplete QWR and Fraudulent PMI Document ( Bait & Switch ). 
1. I received from first lender XXXX the original PMI a XXXX at closing XXXX XXXX, 2015 a document that specified XXXX of XXXX pages, but was ONLY given page XXXX of the XXXX pages. I was told by loan originator XXXX XXXX 's staff the PMI payment document reads the PMI can be cancelled after 2 years if no late payments and if the ( L/V ) Loan to Equity Value is enough to get 78 % loan to value ratio then the PMI cancellation application can be applied within a two year period. 
2. When I applied for an application form Ditech, they did a ( Bait and switch ) and submitted a totally different XXXX PMI document and has denied the PMI can be cancelled in 2yrs and Ditech NOW claim the PMI can ONLY be cancelled in the year XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Berlin-Wheeler, Inc. (Kansas)
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never properly notified of my debt of XXXX. I was only notified once it hit my credit report and I promptly paid it off so I wouldnt damage my score any further. Berlin Wheeler Inc. sent a letter to the wrong address with the wrong name. Berlin Wheeler Inc. stated that on XX/XX/XXXX they sent a letter to my father. On XX/XX/XXXX I was still a service member serving on XXXX XXXX, Ca. I was also told by Berlin Wheeler Inc partner XXXX XXXX that they would contact me via email and it never happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
on XX/XX/2022 I was scammed into transferring {$250.00} through XXXX by a fake manager ( XXXX XXXX ) for XXXX XXXX saying my electricity will be shut off in XXXX min. Minutes after the call I realized I've been scammed when they asked for an additional {$500.00}. I hung up the phone ( but after the {$250.00} was already sent ) and called Bank Of america who sent me to their claims department. They said they will look into it but I don't believe they will refund my money. My account will overdraw if I don't get this money back right away. I always keep XXXX in my account at all times so my account won't be too low.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-03
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I am no longer able to login to my XXXX account after attempting to buy XXXX on Coinbase. These accounts use the same login credentials. I am unable to access my {$1500.00}. Support has been unresponsive and they are not available via phone support on the weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I paid XXXX XXXX {$1800.00} x 2 = {$3700.00} to install carpet in my house. I received the the worst inferior quality carpet and a completely shoddy installation. The carpet started deteriorating and separating from the walls and stairs within a week. I opened 2 disputes with citivisa, the credit card I use. It took them many months to resolve this. I had to submit numerous letters and documents. I lost one of the disputes because the paperwork that citi sent was in 2 parts which looked exactly the same and I only sent it in once. When they informed me that I lost one of the disputes they told me to send it in immediately which I did and it was 3 days late. They did not honor it. They the carpet company put the {$1800.00} that he lost back on my card without my authorization or knowledge. When I found out citi asked me to dispute it again and redocument the problem with XXXX  of the same information and have people come out to evaluate it. Unbelievably I fell for this and spent more time to dispute the fraudulent charge. They determined after 4 months that it was a legitimate claim but put the charge back on my card! because they " couldn't collect it from him '' (! ). I called them on XX/XX/XXXX and told them this is an outrage and I will not pay it. They are a very bad credit card company and need to be contacted by you. I am also making a report through identitytheft.gov.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-06
Company: D2 Management LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
D2 Management Called today to inform me of a debt that I owed to a company that I know I had previously paid off. I became suspicious of the call when I was getting terrible customer service and she almost hung up on me when I stated calmly and politely that I needed her to send me information regarding the alleged debt, so that I could seek legal counsel on the legitimacy. At that point she said the only thing that could be sent to me was an agreement for payment plan. After that, I was told that since I wanted to talk to legal counsel, she would enter me as a REFUSAL and report me to the IRS.

Company response to consumer: Closed
Consumer complaint received 2022-07-10
Company: OneMain Finance Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX contacted about collecting a debt that I have already paid. They served me by Certified Mail, on XX/XX/XXXX ( Date received ) of an account which they planned to accelerate. The actual date of the letter is ( XX/XX/XXXX ) and the debt is identified as Loan # XXXXXXXX. I do not have any responsibility for the debt youre trying to collect. I have already paid this loan off with the original lender in XXXX of XXXX. 

The account is already settled, already paid. American General Finance ( Loan No. XXXX ) was paid by XXXX XXXX XXXX XXXX on XX/XX/XXXX in a refinance of my home loan. ( Loan No. XXXX ) Payoff to American General ( {$48000.00} ) per ( Escrow # XXXXX ) Funds were over-nighted XXXX XXXXXXXX to American General. Deed of Reconveyance recorded XXXX XXXX of XXXX CA. 

After they re-aged the debt, attempted a foreclosure on a property they had no legal right to, pressured us by attempting a Trustee Sale, I had to pay late payments, your attorney fees, and foreclosure costs for a debt Ive already paid which violates California Code, Code of Civil Procedure - CCP 726 ( a ), There can be but one form of action for the recovery of any debt or the enforcement of any right secured by mortgage upon real property or an estate How does this madness end? 

Even if I owed this, this Debt would be time-barred by now. It is well-established that it is a violation of the FDCPA ( Fair Debt Collection Practices Act ) for a debt collector ( including a debt buyer ) to file an action in court to collect on a time-barred debt. It likewise is a clear violation of the FDCPA to threaten to file such an action. Debt collectors, including debt buyers, may violate the law not only if they file an action to collect on time-barred debt, but also if they engage in deception in collecting on time-barred debt. When collectors attempt to recover on debts, in many circumstances, such efforts may convey or imply to consumers that the collectors could sue them if they do not pay. If the debts are time-barred, this message would be false or misleading, because the collectors in fact can not legally file an action against them if they do not pay. Information about the consequences of not paying debts being collected appears to be important to consumers in deciding whether to pay debts and in what order to pay debts. You are violating Federal Law FDCPA : 807 by using false and deceptive representations to force me to action on this debt, especially when I dont owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: GA
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 reviewed my credit report and it showed multiple errors. The errors included incorrect names, addresses, accounts, and inquires that weren't authorized by me. I submitted multiple letters on XX/XX/XXXX, a second letter in XXXX as well as another letter XXXX XXXX, 2022. I haven't received any updates and this is affecting my life majorly due to them constantly reporting incorrect and fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 reviewed my credit report and it showed multiple errors. The errors included incorrect names, addresses, accounts, and inquires that weren't authorized by me. I submitted multiple letters on XX/XX/XXXX, a second letter in XXXX as well as another letter XXXX XXXX, 2022. I haven't received any updates and this is affecting my life majorly due to them constantly reporting incorrect and fraudulent information.

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