BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-09
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX , as you have stated, yes nelnet has indeed sent some information. it is incomplete and inaccurate.     the information is NOT in chronological order as i have requested.     the information does NOT contain a complete breakdown AND explanation of fees charged, etc.     do you really think i would continue to ask for something i have received?     i completely disagree with the balance your company is reporting that i owe.     please provide proof. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: PROVIDENT FUNDING ASSOCIATES
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Provident Funding services my mortgage. I made my monthly payment ( electronically ). And then signed up for a monthly withdrawl service. They immediately took a XXXX ( unauthorized ) payment out of my checking acct. They acknowledge the XXXX payments were made - this is not in dispute. They have had XXXX payments for over a week. To get my money back, their procedure is as follows : 1 ) I provide them with " screen shots '' of my bank account showing that the XXXX payments have been taken out. 
2 ) They mail me a check. 
This is all simply ridiculous red tape to ensure they hold on to my money. It is unsafe, unfair and egregious. The first step is wholly unnecessary - they have the money, they can see that payment has posted. It is also unsafe - they want me to send sensitive banking information such as my account # and balance in unsecure ways. And then they want to send me a check ... when they clearly have access to my account electronically. Or I can just wait, which conveniently means they get a free loan from me for a month. I have spoken with several people, including managers, in their customer service area. They are unwilling to take any steps to address the issue due to " their policy ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is t he 3rd c omplaint I 'm submitting ag ainst Ditech Financial. I   keep sending the proof and I 'm getting no where. In  XXXX   XXXX  sold the mortgag e to Green Tree, who then became Ditech. T hey keep saying that I had a NSF from  XXXX   XXXX ,  XXXX . My  XXXX  payment was sent to  XXXX  and cashed, paid to the ord er of Green Tree. I ' m attaching a copy of the cashed check. I was using my boyfriend 's bank account but my loan # was on the check and as you see, it was not returned as NSF. I 'm also getting statements fro m Ditech  showing " funds in suspense ''. They are not applying my funds to my principal balance, I do n't know what they are doing with my money. I pay twice a month, this was done to pay off the loan sooner. First they said I was in default from  XXXX   XXXX , now they say that was wrong, it 's  XXXX   XXXX , well the cancelled check is attached. I also received the attached threatening letter about foreclosure. It 's dated  XXXX / XXXX / XXXX , and it says my next payment is due  XXXX / XXXX / XXXX . Also attached are my bank statements, I ha ve two diffe rent banks. As you can see, both payments for  XXXX  were taken from my accounts and the first payment for  XXXX  was also taken. Where is this money going? Why is there not a class action law suit. Read all the complaints that you 've received. They are all similar to mine. The closer you get to paying off the loan, the more they threaten and say you owe money. This has been going on for 4 years, I keep sending them the check. My payments are not being applied properly. They are literally stealing my money. Attached is the cashed check from  XXXX / XXXX / XXXX , a copy of the threatening letter received on  XXXX / XXXX / XXXX , a copy of the fax sent to  Ditech  today,  XXXX / XXXX / XXXX  with the cancelled check and my bank statements showing both payments for  XXXX   XXXX  and one for  XXXX   XXXX , the other gets paid  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 2017-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Now that TransUnion LLC, has stated that they will readd XXXX of my auto loans XXXX and XXXX from XXXX XXXX XXXX XXXX XXXX back to my credit report, they also need to readd the payment history for XXXX and payment history for XXXX I have never been late or missed a payment on XXXX. XXXX was paid off and closed XX/XX/2016 and XXXX is paid current with no missed payments this needs to be reflected as it was before TransUnion LLC removed these accounts illegally! In addition ALL OF MY POINTS THAT WERE REMOVED BY TRANSUNION LLC, when they removed these XXXX auto loans illegally needs to be READDED back to my TransUnion credit report immediately! All of this has caused me extreme hardship! I 've talked to customer service. reps repeatedly about this day in and day out over and over for 3 months trying to resolve this issue!

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 2017-05-09
Company: EQUIFAX, INC.
State: NC
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   XXXX    2017  faxed letter to Equifax requesting removal of bankruptcy and tax lien on credit file as  I  was not aware of the source of their information on the bankruptcy and judgement. I received a response dated   XXXX   XXXX ,2017  that  XXXX   XXXX  reported the information as discharged and that  Case  number  /   XXXX   XXXX   XXXX   XXXX   XXXX   is currently not reporting on the Equifax  credit  file in which I do not have knowledge of what that case is.   On   XXXX   XXXX  2017    I sent a reinvestigation request with a letter from Michiga n Federal Court stating they do not supply information or validate information with the  credit bureau 's. Equifax replied with the same information stating that  XXXX   XXXX  has verified the information with the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Stellar Recovery, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
*Stell ar Recovery Inc ,    XXXX   XXXX   XXXX   XXXX   XXXX   . ,  XXXX  MT  XXXX  (  XXXX  )  XXXX  has violated the law by continuing collection activities with  XXXX   of a disputed  alleged debt while failing to respond to consumer 's right to validation within 30 days.     Stellar Recovery has altogether failed to notify consumer and violated her rights to receive notification as mandated by law of her right to dispute.     Proof of the se two v iolations made by Stellar Recovery are legitimized in the attached documentation.   **Complaint made to  XXXX  via CFPB #  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax is reporting duplicate Hard Inquiries reporting on my credit report, I have repeatedly disputed these duplicate entries to be removed with no change :   XXXX   XXXX   XXXX   -   XXXX   hard Inquiries reporting   XXXX / XXXX /2016 and  XXXX / XXXX /2 016, I have requested   XXXX   of these inquiries be removed as it is a duplicate entry.
  XXXX   XXXX   -  XXXX  hard Inquiries reportin g   XXXX  / XXXX /2016 and  XXXX / XXXX /20 16, I have requested   XXXX   of these inquiries be removed as it is a duplicate entry.
  XXXX   XXXX   -  XXXX  hard Inquiries reporting   XXXX / XXXX /2016 and  XXXX / XXXX /2016 , I have requested   XXXX   of these inquiries be removed as it is a duplicate entry.
  XXXX   XXXX   -  XXXX  hard Inquiries reportin g  XXXX / XXXX /2016 and  XXXX / XXXX /201 6, I have requested one of these inquiries be removed as it is a duplicate entry.
Equifax is reporting duplicate Collections reporting on my credit report, I have repeatedly disputed these duplicate entries to be removed with no change :   XXXX   XXXX   XXXX   -   XXXX   collection reporting   XXXX / XXXX /2016, I  have requested  XXXX  of these collections be removed as it is a duplicate collection.
  XXXX   XXXX   XXXX   XXXX   -   XXXX   collection reportin g  XXXX / XXXX /2016,  I have reque sted   XXXX   of  these collections be removed as it is a duplicate collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
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:
Sent  Transunion inquiry removal letter thru certified mail. After nothing was done I called and disputed them. Still nothing was resolved.

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 2021-12-24
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call multiple times per day and early in the morning. They are also calling from different numbers. I have already explained to them that I am going through hardship and they continue to harass 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 2015-10-06
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Discover had a debt collector calling and writing me. I engaged the services of a credit guy and he had me send a letter asking for legal validation. They sent the attached letter saying the statements copies they sent are validation. But as per the law, it was explained statements do not make up validation as per the Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: TransferWise Ltd
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Tried to send funds to XXXX. My niece needs a pacemaker. Very confusing instructions. XXXX did not explain that they would send separate emails. I did not know what to do. My bank sent some text messages with 6 digit codes. 
Did not know what to do with these codes. Thought everything was fine until my niece emailed me asking why I cancelled transfer. I did not cancel. XXXX cancelled and then deactivated my account. Feel like I was never given a chance to try again. Filed an appeal and it was rejected. First time to use XXXX and found it difficult. Not computer smart. XXXX XXXX XXXX XXXX XXXX. This is all frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I accessed creditreport and once I got to Experian it did not let me retrieve it.

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 2020-04-18
Company: Experian Information Solutions Inc.
State: ID
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:
In XXXX of 2019 we were notified via email that there were upwards of {$2000.00} in charges on our account. The purchases were made online and picked up in person at a XXXX XXXX XXXX. 1. we were out of town then and never ordered or picked up these products. 2. With a pick up order of $ XXXX they SHOULD ALWAYS check ID on the person picking up. 

Obviously we reported these charges as fraud. XXXX XXXX sent it over to their fraud department for investigation. After multiple calls and jumping through hoops they finally agreed that it was fraud, and we were told over the phone that ALL CHARGES WERE DEEMED FRAUD AND ANY CHARGES, AND FEES RELATED TO THE PURCHASES WOULD BE REMOVED. 

We received a letter from XXXX XXXX on XX/XX/2019 saying " We are writing to inform you that we completed the investigation on your XXXX XXXX XXXX Credit Card Account. As a result, we removed the disputed charges and any related fees and interest charges from your account. 

I was so relieved to finally get this letter after getting the go around every time we called them and re-explaining the issue. Such a headache. BUT little did I know even though the letter said it was fixed and that XXXX, Experian, XXXX XXXXXXXX would all be updated. They were not. 

We recently pulled our credit while trying to get a home and THE CHARGES STILL REMAIN AND HAVE NEGATIVELY IMPACTED MY VERY HIGH CREDIT SCORE. I have never had any late payments or anything negative reported on any of my credit cards until this happened. 

I have continued to contact XXXX XXXX and am always given excuses and I swear the call center doesn't even understand what I am trying to explain most of the time. I called today and they are closed due to Covid 19. I have reported disputes 3 times to Experian with proof of my letter from XXXX XXXX. However when they look into it and contact XXXX XXXX XXXX Credit Card they are told, nope! The account is closed but fees and interest rate still applies! I AM NEVER PURCHASING FROM XXXX XXXX AGAIN. THIS HAS BEEN SUCH A HEADACHE AND HAS BEEN GOING ON MORE THAN A YEAR NOW. WE HAVE BEEN MORE THAN REASONABLE BUT NOW THAT IT IS EFFECTING THE LOAN ON OUR HOME THIS IS NOT OKAY! I NEED HELP FIXING THIS FOR GOOD. PLEASE PLEASE HELP! 

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 2015-10-30
Company: Experian Information Solutions Inc.
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Experian ( a client of XXXX ) was hacked. Lacking the appropriate security measures, the hackers downloaded my address, social security number, drivers license, number and the like. The hackers have enough information to steal my identity. 

So what is Experian proposing to do? Offer 2 free years of THEIR credit/identiy monitoring service ( XXXX ). Really? I 'm supposed to trust the clowns that were just hacked with their identity and credit monitoring service? It makes more sense to offer an independent credit/identity monitoring service, such as XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On or around XXXX I discovered than XXXX XXXX Bank has the wrong date on file for my bankruptcy. The account is closed but my dates were not properly updated with the records they have it reported as being charged off XXXX of XXXX when it should be XXXX XXXX almost 10 ago and not 5 years ago. The XXXX XXXX account was the whole bankruptcy case. There is a serious and obvious error please delete this account from my report it is wrong.

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 2021-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
RE : Inaccurate Reporting to Credit Bureaus Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX incorrect balance information about my XXXX account to all three credit bureaus. My balance has been incorrect since XXXX of 2021. I have disputed this issue multiple times and no changes. This has caused my credit score to not reflect my positive payment history and balance. 

As a responsible and valued XXXX customer, I deserve to have accurate reporting. If I was late on my car payments, I would not have to take time out of my day to inform XXXX XXXX XXXX of accurate credit bureau 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 2021-12-28
Company: BARCLAYS BANK DELAWARE
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I contacted the credit card company XXXX Barclay Mastercard several times about a charge made on my account that the vendor/merchant agreed that there was an error. The credit card company said they would handle the dispute and even gave me a case number, but they are still trying to get me to pay the transaction. The purchase amount is {$130.00} from XXXX XXXX in downtown XXXX on XX/XX/XXXX. The transaction posted on XX/XX/XXXX. I contacted the hotel several times and they told me that the credit card company made an error. The credit card company has refused to call me or email me to resolve this dispute even though I left them both contact 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 2015-05-22
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a loan with Green Tree My payment is XXXX of that PMI is XXXX and the balance is XXXX and intrest {$290.00} of it goes to Escrow for Tax and INS I called and asked why they did n't pay property Tax and they said the loan was n't set up to do that I said will it says on my paper work they said I would have to fax the Escrow dept no # to call them my property taxes are over due now and now Green Tree says they will respond with in XXXX days this is a FHA loan it 's there mistake they have the money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-09
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I reserved a room at  XXXX   XXXX   XXXX   XXXX   on  XXXX / XXXX / 17  to be checked in at  XXXX / XXXX / 17  for the amount of {$220.00} through  XXXX , all because of the good price and the FREE CANCELATION note and I was supposed not to get charged until I arrive to the place. Soon after they sent me an email with their hidden policies, where they stated that for me to cancel it would have to be 14 days prior to the booking date. As you may understand I had gotten the special with the FREE CANCELATION note due to the fact that I may have to cancel if anything comes up with work. I tried to do so and the  XXXX    XXXX    XXXX  kept bombarding me with their policies and that I should had called  XXXX  says prior to the reservation, mind you it was 1 day before the actual check in date.     I politely hanged up the phone and resorted to call my financial services, in this case Chase Credit Card services. I explanied my issue and they did resorted to help with a dispute. However today on  XXXX / XXXX / 17  I received a call from such services and was told that the merchant had fought back with their policies, that the only way for me to win the dispute would be by providing them with a written notice that I  may  have received from  XXXX    XXXX    XXXX  saying that they will be refunding the money. I obviously do not have such notice because this is the reason to begin with why I made the dispute.     In conclusion they are just telling me that I have to give my money to this devilish resort for no service provided at all. I would not have a problem of maybe they offered me a free pass for another date but it is not the case. This is modern theft and I feel rob, Please help me.      XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX   XXXX  )  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-11
Company: GMA Investments, LLC
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Summit Receivables has been calling several times a day, and leaving multiple messages per day on voicemail -- they left a detailed message on my cellphone before they had verified the number was mine. They left a voicemail on my manager 's phone at work as well, only minutes after they had already left a message on my cellphone ( violating the multiple contacts per day rule ). The message on my cellphone said I had made them a payment which did not clear my bank -- which is false, I have made no payments to them. They claim to have sent me written mail to verify the debt, which I have never received, and are refusing to send additional written verification. I can not contact them in writing because I have not received anything from them, to which I could respond. 

Every voicemail they have left on my phone claims I have bounced a payment *with them* which is patently untrue because I have not made any payments to anyone through Summit Receivables.

Company response to consumer: Closed with explanation